vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: NY

Complaint narrative:
Client Services , Inc., a debt collector, sent a mailing to me presenting three options to address their position. One of those options is that I can reply to their notice by a certain date and that if I did so, they must stop collections. I wrote a letter and mailed it promptly asking for more information. I mailed it certified mail. Approximately four weeks later, I sent a second letter advising them that I did not hear back from them, and upon attempting to mail the second letter, certified, requesting a return receipt, my local post office informed me that the zip code associated with the XXXX XXXX number listed on the Client Services , Inc. notice was incorrect, in fact it was one number off. This leads me to suspect that they have put inaccurate XXXX XXXX XXXX information on the statement that was generated by their office to delay or altogether prevent responses from reaching them in a timely manner, and thus I must assume they did not receive my first letter within their outlined window of expectation to hear back from me. I confirmed that the Client Services , Inc. XXXX XXXX zip code printed on their statement does not match an official Post Office destination. 
The zip code listed on their collection letter is XXXX and per the Post Office the actual zip code for their XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am reporting multiple fraudulent accounts that have been added to my Experian credit report without my knowledge, consent, or authorization. I am the victim of identity theft, and these accounts are not mine. Their presence is damaging my credit standing, causing financial hardship, and violating my rights under federal law. 

FRAUDULENT ACCOUNTS REPORTED : XXXX XXXX Opened XX/XX/XXXX Charged off {$1800.00} Citi Cards / Citibank Opened XX/XX/XXXX Charged off {$1600.00} XXXX / XXXX Opened XX/XX/XXXX Charged off {$9100.00} Balance listed as {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$1000.00} The Home Depot / Citibank Opened XX/XX/XXXX Charged off {$2500.00} XXXX  Opened XX/XX/XXXX Charged off {$6700.00} Balance reported {$2100.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Collection account {$930.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Collection account {$1800.00}

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 2025-05-28 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: U.S. BANCORP
State: NY

Complaint narrative:
I am reporting multiple fraudulent accounts that have been added to my XXXX  credit report without my knowledge, consent, or authorization. I am the victim of identity theft, and these accounts are not mine. Their presence is damaging my credit standing, causing financial hardship, and violating my rights under federal law. 

FRAUDULENT ACCOUNTS REPORTED : XXXX XXXX Opened XX/XX/XXXX Charged off {$1800.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$1600.00} XXXX / Webster Opened XX/XX/XXXX Charged off {$9100.00} Balance listed as {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$1000.00} The XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$2500.00} XXXX  Opened XX/XX/XXXX Charged off {$6700.00} Balance reported {$2100.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Collection account {$930.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Collection account {$1800.00}

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 2025-05-28 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am reporting multiple fraudulent accounts that have been added to my XXXX  credit report without my knowledge, consent, or authorization. I am the victim of identity theft, and these accounts are not mine. Their presence is damaging my credit standing, causing financial hardship, and violating my rights under federal law. 

FRAUDULENT ACCOUNTS REPORTED : XXXX XXXX Opened XX/XX/XXXX Charged off {$1800.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$1600.00} XXXX / XXXX Opened XX/XX/XXXX Charged off {$9100.00} Balance listed as {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Charged off {$1000.00} The XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charged off {$2500.00} XXXX  Opened XX/XX/XXXX Charged off {$6700.00} Balance reported {$2100.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Collection account {$930.00} XXXX  XXXX XXXX XXXX  Opened XX/XX/XXXX Collection account {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
After reviewing my credit report, I discovered several inaccuracies and reporting issues that are harming my credit standing and financial wellbeing : XXXX XXXX is inaccurately reporting account activity and updates as late as XX/XX/XXXX, despite the account being closed and paid off in XX/XX/XXXX. This misreporting falsely extends the timeline of account activity, portraying me as delinquent beyond the true closure date. 

XXXX XXXX XXXX XXXX a charged-off balance of {$750.00}, although the original amount owed was approximately {$390.00}. The current reported balance appears to include excessive, unverifiable interest or fees after the charge-off, which I believe is inaccurate and unfairly inflated. 

I have disputed these accounts with the credit bureaus, but they remain on my report without any proper verification of accuracy or lawful documentation from the creditors. These errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611, which require consumer information to be accurately and fairly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccurate or outdated information on my credit report related to accounts with XXXX XXXX ( XXXX XXXX ) and XXXX  XXXX XXXX. I submitted a dispute to Experian, TransUnion, and Equifax on [ insert date you originally sent it ], including documentation from the XXXX XXXX XXXX XXXX XXXX  and Workforce verifying my COVID-related hardship.Despite submitting this documentation, the credit bureaus have failed to remove or properly investigate these items within the 30-day window as required by the Fair Credit Reporting Act ( FCRA ). I have not received a proper response or explanation. The continued reporting of these negative items is unjust and damaging, especially given the documented economic hardship I endured. I am requesting that the CFPB step in to ensure a reinvestigation is conducted, and the inaccurate entries are corrected or removed.

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 2025-05-28 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under tracking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am sending this complaint to SYNCB/CARE CREDIT regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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 2025-05-28 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: NJ

Complaint narrative:
XXXX reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX  days : 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 NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-05-28 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: NJ

Complaint narrative:
XXXX reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX  days : 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 NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Hi I had a bank account at this bank for years I had XXXX plus dollars in it to have no fees. Since I travel overseas for 4 months XXXX to XXXX I get my bank statement and since XXXX getting XXXX maintenance fee??? I called to have them explain then they said in XXXX you need XXXX to have no fees. I never rescued a letter was never notified and how can they charge XXXX after my account has been open I could see if there was XXXX in there but even then what it cost to have my account XXXX they get my interest! I called up and the women said deposit XXXX and call back we will credit that back I did then called back and the guy on phone said you have to go in a branch? Since Im not in Massachusetts its impossible to go in beach Then after I deposited XXXX in XXXX I get another XXXX fee in XXXX Its a scam it should not be charged {$10.00} on account I had established and was told no fees they should of closed account if I did not agree to terms Sorry spell doing it on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND 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 AND XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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