vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies and the furnishers listed below for reporting inaccurate, unverifiable, and damaging information on my credit reports. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused me significant financial harm. 

The following accounts and inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX XXXX XXXX XXXX  High Balance : {$9300.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX XXXX XXXX  High Balance : {$2800.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Inquiry These entries are either inaccurate, incomplete, unverifiable, or reported in violation of federal law. Specifically : The accounts marked as Charge Offs are not properly validated and remain unsubstantiated. 

The late payment entry is incorrect and damaging to my creditworthiness. 

The XXXX inquiry was not authorized by me and is therefore an impermissible inquiry. 

I demand that the CFPB investigate these violations and hold the furnishers and credit reporting agencies accountable for their non-compliance. Under the FCRA, I am entitled to accurate, fair, and fully verifiable reporting. Any unverifiable or incorrect information must be removed immediately. 

These errors have lowered my credit score, restricted access to credit, and caused me financial stress. I expect swift action from your office to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Central Portfolio Control for Attempted Collection of a Paid Medical Debt Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint against Central Portfolio Control ( CPC ) regarding their attempts to collect a medical debt that has already been paid in full. 

On XX/XX/year>, I began receiving messages and notices from Central Portfolio Control claiming that I owed over {$1000.00} for a medical bill. Concerned about the legitimacy of this claim, I contacted the hospital directly the original provider that allegedly issued the debt. The hospital confirmed that my balance was paid in full, and I owe nothing. 

When I called the phone number provided on the CPC notice to inquire about the charge, I was met with confusing and misleading information. Instead of clearly addressing my question about the alleged debt, the representative began offering me a life-saving medical device as a gift, which I found highly suspicious and unrelated to my inquiry. 

When I pressed further about why they were attempting to collect payment for a bill that the hospital confirmed was already satisfied, the representative could not provide any explanation or documentation. This lack of transparency and irrelevant sales pitch made me believe this may be a scam or a deceptive collection practice.

I am deeply concerned because Central Portfolio Control appeared to have personal information about me, yet they are attempting to collect on a debt I do not owe. This behavior is unethical and potentially illegal under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits attempts to collect debts not owed and the use of deceptive or misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 The aforementioned account, is the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that the consumer credit account, is 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 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Lowe 's credit card that there was an issue with me receiving a statement that was sent to me. After speaking with Lowe 's about the misunderstanding all extra charges were dismissed and the account was paid in full and I closed the account. All merchandise was paid for and after the account was closed Synchrony Bank kept sending me statements and kept adding on charges ( and is still adding charges on ) for a fraudulent charge. Now my credit score which has always been around XXXX ( I have no debt, I have never had to pay a finance charge or a late charge in my life ) is at XXXX. I have called them as well as sending them a letter telling them to stop harassing me over this but they just keep sending me these statements and are trying to destroy my credit rating.

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 2025-09-29 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: GA

Complaint narrative:
This correspondence serves as a dispute of fraudulent accounts that were improperly reported under my credit file. These accounts do not belong to me, were not authorized by me, and represent harmful inaccuracies that are damaging to my reputation and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received multiple emails from Home Depot about XXXX credit cards that were open in my name. XXXX ending in XXXX and another ending XXXX. I also received receipts for XXXX purchases totaling {$540.00} and {$510.00}. I called Home Depot on XX/XX/XXXX and XX/XX/XXXX and was told that the cards will be cancelled and fraudulent application investigated. I have not received any official communication that the cards have indeed been closed, and case investigated.

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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Since XX/XX/year>, I have been disputing numerous fraudulent collection accounts caused by identity theft. I provided each credit reporting agency ( CRA ) Experian, XXXX, and XXXXwith my FTC Identity Theft Report and a police report ( Case # XXXX, XX/XX/year> ). 

All three CRAs have deleted the fraudulent tradelines but have willfully failed to apply the mandatory identity-theft block required by federal law. I have received written responses from the CRAs claiming they can not block these accountsa false and unlawful statement. 

Ongoing Harm Despite deletions, I continue to receive letters from new collection agencies that have purchased these same fraudulent debts, creating a never-ending cycle of disputing identical debts with multiple collectors.

This constant resale and attempted re-reporting causes repeated credit harm, financial loss, and emotional distress, forcing me to fight the same fraudulent accounts over and over.

Violations of Federal Law FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires a CRA to block all information resulting from identity theft upon receipt of ( 1 ) proper identification, ( 2 ) an FTC Identity Theft Report or police report, and ( 3 ) the disputed account information.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires CRAs to conduct a reasonable reinvestigation and permanently correct inaccurate or incomplete information. 

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits a furnisher of information from re-reporting an account that a consumer has identified as the result of identity theft.

FDCPA 807 & 808 ( 15 U.S.C. 1692e & 1692f ) : Prohibits collectors from making false representations of a debt and from using unfair or unconscionable means to collect.

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 2025-09-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-09-29 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-09-29 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
per agent open account i was promised get {$750.00} boums if bring {$30000.00} new money keep for 3 months plus a checking even {$1.00} leave both open ( did not have checking with them citi bank for over 3 years never got my {$750.00} being run around no help

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 2025-09-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a formal complaint regarding unauthorized access to my credit report by multiple companies, which has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain.

This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BK OF AMERs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BK OF AMER has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. BK OF AMER 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 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> Bank of America withdrew {$480.00} from my personal savings account. Leaving account with no funds. We tried to resolve matter but monies have not been refunded Bank of America has taken all monies from our account leaving accounts on purpose with negative so they can charge fees and leaving us in dire situation with no money to pay rent, or utilities.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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