vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I contact XXXX multiple times that I havent received this credit card and asked for the account to be closed. I told the XXXX one of the times that why should I make a payment on something that I havent received her comment is that you applied and thats the annual fee I told her to send replacement card before closing the call and she said she would 2 weeks later still no card Everyone I have talked to been rude and now its dinging late on my credit because I refused to pay for something I dont have I want this account removed from credit but XXXX refuse to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AR

Complaint narrative:
I was contacted by phone and they identified themselves as the NRA they did not say they were attempting to collect a debt and hung up on me when I wouldn't give my birthday. They then contacted by email which I ignored due to it seeming like a scam and the fact the debt had been paid. I then was notified they put an negative mark on my credit. When I provided them with the bill showing I paid for the date in question, they said they couldn't accept it because it didn't say " XXXX XXXX XXXX  '' because ot says XXXX XXXX on the bill. Online when I look, both these places have the same address and phone number and I have called and emailed everyone I can with the same result and they say they have no record of any debt. When I questioned the NRA they said they wouldn't give me the cotact information for the original creditor. Then when I told them they had to by law, they claim to not have the address for the client which they now switch to reference northwest medical instead of XXXX XXXX  XXXX  which was a big deak to the angry woman on the phone who seemed quite upset I was able to provide proof and basically just made up reasons for them not tp accept it. They are now hanging up on me. I dont know if this is even a valid company but I want the mark off of my credit because I never owed anything and they did not follow the law at all regarding how they are supposed to communicate with me.

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 2025-07-28 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: NV

Complaint narrative:
In XXXX, my personal information was compromised in the Equifax data breach. As a result, multiple fraudulent accounts have appeared on my credit report over the past few years that I did not authorize, open, or use. These include accounts with 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 

I have taken several steps to resolve this issue, including filing a formal identity theft report with the FTC, notifying the credit bureaus, and submitting an affidavit demanding the fraudulent accounts be blocked and removed under FCRA 605B. I have not received goods, services, or funds from these companies, and I dispute any claims that I am responsible for the debts associated with these accounts. 

I am requesting permanent deletion of these accounts from my credit report and for all collection activities to cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
FRAUD On XX/XX/year>2025, I requested a new debit card from TD Bank because my current one was expiring and Im leaving the country on XX/XX/XXXX to begin my third year of XXXX studies in the XXXX. This is my second summer returning to New York to work part-time and save for tuition. 

The new card never arrived and was later fraudulently activated. On XX/XX/XXXX, I noticed a suspicious transaction and that someone withdrew {$2100.00} ( {$1800.00} from checking and {$300.00} from savings ) using the card at the XXXX branch on XXXX XXXX, a location Ive never been to. I did not authorize these transactions. 

On XX/XX/XXXX I have filed a fraud affidavit with TD Bank, an FTC identity theft report, and a police report ( No. XXXX ). Im still waiting to obtain the official report from XXXX XXXX XXXX. 

Despite this, TD Bank says their investigation could take two weeks and may not result in reimbursement. I urgently need this resolved before I leave on XX/XX/XXXX. I believe the teller acted negligently by allowing a large withdrawal without proper ID. 

Im requesting CFPB assistance to ensure TD Bank complies with Regulation E and reimburses me promptly for the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am filing a complaint against NewRez regarding a {$750.00} fee I was charged for a Private Mortgage Insurance ( PMI ) removal request. 

Misleading LTV Requirements : I would not have paid the {$750.00} fee had I known the true loan-to-value ( LTV ) eligibility threshold required for PMI removal. Based on my own research and industry standards, I believed the required LTV was around 72 %. However, after my application was denied, I learned that the actual requirements were higher due to factors such as loan seasoning and the number of units in the property. These specific requirements were not disclosed to me upfront. If they had been, I would not have proceeded with the request or paid the fee. In addition, when I spoke over the phone, different people cited different LTVs such as 65 % and 80 % for eligibility. 

Failure to Notify of Denial : NewRez did not proactively notify me when my PMI removal request was denied. I only found out after following up myself. For a process involving a {$750.00} fee, I expected timely and clear communication, which I did not receive. 

I believe NewRez failed to provide clear, accurate, and complete information, and their communication throughout the process was inadequate. I am requesting a refund of the {$750.00} fee and would like the CFPB to review NewRezs PMI removal practices for transparency and fairness.

I have called and spoken with online support several times. I submitted my formal complaint to them on XX/XX/year>, but I have yet to hear from them.

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 2025-07-28 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: CA

Complaint narrative:
I have previously disputed Experian, XXXX XXXX XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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: OH

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Fraud Dispute of Unauthorized XXXX XXXX Account Reporting Immediate Deletion Requested To Whom It May Concern, I am writing to dispute a fraudulent and unauthorized account currently being reported on my Experian, Equifax, and TransUnion credit reports. The account in question is as follows : Creditor Name : XXXX XXXX  Account Amount : {$3500.00} Status : Unauthorized / Fraudulent I have no knowledge, involvement, or affiliation with this account. I have never applied for, opened, or used any account with XXXX or XXXX XXXX. This account was opened and reported without my knowledge or consent and is a result of identity theft. 
I am formally disputing this tradeline as fraudulent and demand its immediate and permanent deletion from all three of my credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection statutes. 
As part of my formal identity theft report, I am enclosing a copy of my FTC Identity Theft Affidavit, which serves as legal notification that this account is not mine and was created without my authorization. 
In support of this dispute and demand, I invoke the following federal consumer protection laws : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continuing to report this fraudulent account violates this provision.

15 U.S.C. 1681b There must be a permissible purpose to obtain and use my credit file. No such purpose exists for this unauthorized account.

15 U.S.C. 1681 ( o ) Civil liability for negligent noncompliance with the FCRA.

15 U.S.C. 1681b-2 Clear restrictions on the use and sharing of consumer information without consent.

18 U.S.C. 1028A Aggravated identity theft is a federal offense. This fraudulent activity must not be further enabled by your continued reporting.

I demand that this account be permanently deleted from my credit file with Experian, Equifax, and TransUnion, and that I be notified in writing of the results of your investigation.

Failure to remove this false information constitutes willful noncompliance with federal law and may result in legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), which is being CC 'd on this communication.

Thank you for your prompt and lawful attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Fraud Dispute of Unauthorized XXXX XXXX Account Reporting Immediate Deletion Requested To Whom It May Concern, I am writing to dispute a fraudulent and unauthorized account currently being reported on my Experian, Equifax, and TransUnion credit reports. The account in question is as follows : Creditor Name : XXXX XXXX  Account Amount : {$3500.00} Status : Unauthorized / Fraudulent I have no knowledge, involvement, or affiliation with this account. I have never applied for, opened, or used any account with XXXX or XXXX XXXX. This account was opened and reported without my knowledge or consent and is a result of identity theft. 
I am formally disputing this tradeline as fraudulent and demand its immediate and permanent deletion from all three of my credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection statutes. 
As part of my formal identity theft report, I am enclosing a copy of my FTC Identity Theft Affidavit, which serves as legal notification that this account is not mine and was created without my authorization. 
In support of this dispute and demand, I invoke the following federal consumer protection laws : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continuing to report this fraudulent account violates this provision.

15 U.S.C. 1681b There must be a permissible purpose to obtain and use my credit file. No such purpose exists for this unauthorized account.

15 U.S.C. 1681 ( o ) Civil liability for negligent noncompliance with the FCRA.

15 U.S.C. 1681b-2 Clear restrictions on the use and sharing of consumer information without consent.

18 U.S.C. 1028A Aggravated identity theft is a federal offense. This fraudulent activity must not be further enabled by your continued reporting.

I demand that this account be permanently deleted from my credit file with Experian, Equifax, and TransUnion, and that I be notified in writing of the results of your investigation.

Failure to remove this false information constitutes willful noncompliance with federal law and may result in legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), which is being CC 'd on this communication.

Thank you for your prompt and lawful attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

T

hese accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 explanation
Consumer complaint received 2025-07-28 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian Credit Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/year>

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