vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
In early XXXX, I experienced a job loss and was unable to make on-time payments for my XXXX account in XXXX and XXXX. I contacted XXXX directly in early XXXX, explained the situation, and spoke with a representative. XXXX acknowledged the hardship and subsequently reversed the late payment reporting. As of XX/XX/XXXX, XXXX removed these late payments from my credit file. However, Equifax, Experian, and TransUnion continue to report the late payments inaccurately. I am requesting that these bureaus update my credit reports to reflect the corrected status in accordance with 15 U.S.C. 1666b.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I reported a fraudulent {$2300.00} deposit to my Truist checking account on XX/XX/year>. I was the victim of someone compromising my account and played no role in the activity. Well after the fact ( today XX/XX/XXXX ) I received a letter that the account was to be closed effective end of day XX/XX/year> because Truist had the right to do so which I do not dispute. My federally protected XXXX funds were deposited into the account at midnight XX/XX/XXXX before the closure of the account. I visited a Truist branch around noon on XX/XX/XXXX to close the account myself ( I had not yet received the closure letter ) and have my funds transferred to a new account. Truist refused. They did not inform me of the account closure that was to occur that day and instead I was told to call back the following day on XX/XX/XXXX a Saturday. Truist refused to release to me the funds again. I called again today Monday XX/XX/XXXX and was told to call back on XX/XX/XXXX. Again no mention of an account closure to me. I did not find out about the account closure until receiving a letter in the mail today XX/XX/XXXX. The problem is that under Regulation E Truist has XXXX busines days from the date of the report of the fraudulent activity to return my federally protected funds and they have not done so. They are violating my rights by doing this. It has been more than XXXX business days and my funds are being seized in an account closed by Truist on XX/XX/year> as indicated in a letter mailed to us. Please help us have these funds returned. Truist is violating Regulation E by withholding these funds. We must have these funds for basic living necessities and they are refusing to return the money. Thank you.

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 2025-08-05 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Not My Personal Debt Dear [ Experian / Equifax / TransUnion ] Dispute Department, HELP!!! THIS COMPANY ILLEGALLY SOME HOW GOT MY PERSONAL SOCIAL POSSIBLEY AND MY NAME AND PUT A FALSE COLLECTION AGAINST ME. I ONLY WORK AT THE COMPANY, I DONT OWN IT. I am writing to formally dispute a collection account currently listed on my credit report. The account in question reflects a balance of {$8500.00} and is associated with a business entity I WORK AT I DONT OWN IM JUST THE ACCOUNTS RECIVABLE DEPARTMENT, not my personal finances. This debt is not mine and should not be reported under my personal credit profile. OR MY NAME IM JUST A WORKER IN THE ACCOUNTING DEPARTMENT Details of the disputed account : - Creditor/Collection Agency Name : [ XXXX XXXX XXXX ) - Account Number : NO ACCOUNT NUMBER - Reported Balance : {$8500.00} - Date Opened/Reported : [ UNKOWN This account is tied to a XXXX XXXX XXXX XXXX  XXXX XXXX and is not my personal obligation. I am not personally liable for the debts of that business, and it should not be reflected on my individual credit file AS A WORKER IN ACCOUNTING HOW DID THIS COMPANY PICK ME!!!! IT'S OVER XXXX EMPLOYESS AND IM PICKED. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ), I am requesting a full investigation and prompt removal of this inaccurate account. The continued reporting of this debt on my personal credit file is a violation of the FCRA, specifically 602A which protects against inaccurate and unfair credit 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 2025-08-05 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have unauthorized account reporting on my credit report from Navy Federal Credit Union that I did not provide permission to do so on my behalf. I did not provide any direct consent to obtain my consumer report to the creditors mentioned in this dispute. According to FCRA section 604 ( a ) ( 3 ) a credit account can only be made if there is permissible purpose.

Accounts Affected by the Crime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I have requested over 4 times for the removal of a bankruptcy that was not only inaccurate but is not listed on the Equifax credit report because Equifax removed it 5 years ago .. My information was compromised in the Equifax/XXXX  data breach and per request for the removal of accounts that I did not open myself. My letters were never answered and my next step is legal action.

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 2025-08-05 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: MI

Complaint narrative:
I have requested over 4 times for the removal of a bankruptcy that was not only inaccurate but is not listed on the Equifax credit report because Equifax removed it 5 years ago .. My information was compromised in the Equifax/XXXX  data breach and per request for the removal of accounts that I did not open myself. My letters were never answered and my next step is legal action.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account remove this item immediately. Account name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complaint. against Credit Collection Services, which has filed a fraudulent record on my Credit Report that they are the original creditor. I have never contracted with Credit Collection Services in any shape or form, and they must immediately cease and desist furnishing false records to XXXX XXXX XXXX and wherever else they can. The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written off as was a victim of Identity theft when my information was stolen from hospital records. Despite this, Credit Collection Services has decided to ruin my credit by falsely claiming they own this debt and myself and them had entered into a contractual agreement at some point. This is false. This raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. I request that this matter be reviewed and investigated. Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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 2025-08-05 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverified account information being reported on my LexisNexis consumer file by XXXX  ( Account Number : XXXX ). 

I have never authorized or consented to LexisNexis including this account in my file. Additionally, LexisNexis has failed to provide proof of the following : My original signed application or agreement with XXXX  Any chain of assignment or servicing authority Full and complete account history Proof that LexisNexis has legal authority to report this account I submitted a dispute to LexisNexis directly, but I received a response by mail stating there is no dispute on file. This response is both inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

LexisNexis is in violation of the following FCRA provisions : FCRA 607 ( b ) : Duty to report with maximum accuracy FCRA 611 ( a ) : Obligation to reinvestigate disputed items FCRA 609 ( a ) : Right to request and receive information in my file Due to the lack of verification and the failure to reinvestigate, I am demanding the immediate removal of the XXXX account from my LexisNexis file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has reinserted fraudulent accounts on my credit report without providing the legally required written notice. 
I previously disputed fraudulent accounts under the names XXXX, XXXX, and XXXX XXXX. 
These accounts were removed after investigation, but later reappeared ( reinserted ) on my credit report without any new verification or written notice. 
Under FCRA 1681i ( a ) ( 5 ), a consumer reporting agency must send written notice within five business days of reinserting any deleted information, including the source and certification of accuracy.

I never received any notice or certification for these reinsertions.

Equifax also failed to comply with FCRA 605B, which requires fraudulent accounts to be blocked within four business days upon receipt of proper identity theft documentation.

These failures have caused ongoing harm, including inaccurate reporting, credit denials, higher interest rates, and reputational damage. 

Equifax confirmed by phone that fraudulent accounts under XXXX, XXXX, and XXXX XXXX were previously removed but were later reinserted. I never received the legally required written notice within five days of reinsertion, violating FCRA 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am reporting fraudulent inquiry found in my credit report.XXXX XXXX  XX/XX/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 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
This account was cancelled due to the company sending phone to the wrong address and I was refunded so how can I owe for what I didnt get?

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 2025-08-05 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: MOHELA
State: SC

Complaint narrative:
I sent a Validation of Debt request to Mohela on XXXX XXXX. I have not from them to the current date. These fraudulent student loans, which appear to originate from the U.S. Department of Education, are being serviced and reported by Mohela without validation or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Block, Inc.
State: TX

Complaint narrative:
This is a on-going issue of my card with attempts of purchases trying to be made everyday for the last 1 month! It has gotten to the point I can't add money to get a new card. They try constantly, I get XXXX tries everyday! They already took almost {$6.00} from account and that was for a new card. I was told that someone was going to contact me but never got a email. I don't even use my card, I cut that up and deleted the app from my phone. I even removed my card from XXXX and other places I used it at online. Then I still get the texts that my cars was declined cause I blocked XXXX XXXX  and don't see how that's possible cause like I said I removed my card and blocked that merchant. So I feel that I should have someone contact me personally by email and by phone ( preferably to talk to a real person ) I am not downloading the app to my phone till I hear a voice. This is RIDICULOUS of how many times my card ( I no longer have ) is being hit with attempts everyday!

Company response to consumer: Closed with explanation