vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These questions emerged without approval or preparation. Please inspect the provided information swiftly.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I deposited a payroll check via mobile, My account is over 30 days old, The first {$220.00} was not made available the next business day, Citibank incorrectly claimed that Regulation CC does not apply to mobile check deposits, And I did not receive a written notice was that the {$220.00} was being withheld as well.

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 2025-07-29 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: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint because despite multiple disputes and submission of supporting documentation, Equifax, Experian, and TransUnion have failed to correct or remove fraudulent and inaccurately reported accounts that are the direct result of identity theft.

Timeline & History of Disputes : XX/XX/XXXX  Filed FTC Identity Theft Report # XXXX and placed an extended fraud alert. 

XX/XX/XXXX  Submitted formal written disputes to all three bureaus ( copies enclosed ), including : Government-issued ID Proof of address Highlighted three-bureau reports showing inconsistencies FTC Identity Theft Report XX/XX/XXXX  Follow-up disputes sent due to non-removal of fraudulent accounts, citing specific FCRA sections. 

Fraudulent Accounts Still Reporting : Equifax : XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$0.00} Collection Reported only by Equifax ; not present or positive on other bureaus. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent with other bureaus ; should be blocked under FCRA 605B. 

TransUnion : XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$620.00} Collection Not reporting on Equifax, reported differently on Experian. 

Legal Violations : Each bureau has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B Failure to block identity theftrelated information within 4 business days of receiving my FTC report.
FCRA 611 Failure to delete unverifiable and inaccurate information after dispute.

FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy, evidenced by discrepancies among bureaus.

FCRA 1681 ( a ) ( 4 ) Violation of my right to privacy by continuing to publish fraudulent information. 

Evidence of Noncompliance : FTC Identity Theft Report # XXXX Dispute letters to all three bureaus ( XX/XX/XXXX  ) Three-bureau credit report highlighting inconsistent reporting Documentation showing prior complaints filed with FTC and the California Attorney General These inaccuracies have caused ongoing harm, including : Denial of credit due to falsely reported collections. 

Emotional distress and reputational harm. 

Additional time and expense in pursuing repeated disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: SC

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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Specifically, there is an account listed that does not belong to meit belongs to someone else entirely, and it appears that my credit file has been inappropriately mixed with another individual 's financial data. 

This is a serious error. The account in question is not mine, and I have no connection whatsoever to the person it belongs to. I have never opened or been associated with this account, and its presence on my credit report is not only misleading but also damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Please remove these unauthorized accounts from my credit report within 15 days, in compliance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I've recently checked my credit report and noticed some inaccurate accounts reporting that are hindering my financial situation and need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
I requesting a verication debt, and the company never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Debt Collection Agency : Transworld Systems Inc.

TSI Physical Address : TRANSWORLD SYSTEMS INC. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX. 
Contact : XXXX I was contacted by phone on XXXX XX/XX/year> from a Debt Collection Agency by the name of Transworld Systems Inc. on behalf of XXXX. At first, I suspected a fraud and scam call, so I immediately turned them down and did not share any Credit Card details with them. 

The person stated that XXXX had authorized Transworld to exact debt on their behalf, and that this charge did not appear on the Toll Tag associated with my Car because I might have driven too fast for the sensor to pick it up. 

At the end of the call, they threatened me with causing problems at the time of Vehicle Title Transfer ( VTN ) in the event I am selling my car. The person impersonated an officer and tried to intimidate me into paying off the debt or face repercussions. I just ended the call and immediately logged into my XXXX official account. No debts were shown outstanding. I was left traumatized by this event. 

Later on, XXXX XX/XX/year>XXXX  I received a post from the same company, Transworld Systems Inc. listing the threat again and asking for payment via check and sending it to the above address. I re-confirmed on the XXXX official website for some insights on this and found no debt owed on my account. I am not going to pay this as I am clearly at no fault and they are committing a fraud doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I have several inquiries on my credit report that Im not aware of. I have tried several times to have these items removed. I am a victim of identity theft and would like to have all fraudulent inquiries thoroughly investigated and deleted from credit report, items are listed below 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am requesting that the credit bureau ( s ) take the following immediate actions in compliance with FCRA and identity theft protection laws : Permanently delete all fraudulent inquiries listed below, which were not authorized by me and are a result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Permanently delete the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comply with FCRA 1681c-2 and 15 USC 1681c-1 ( 2 ) by blocking all identity theft-related information on my file within 4 business days of receiving my valid identity theft documentation. 

Send a written confirmation of deletion for each item listed above and provide an updated copy of my consumer report showing these deletions. 

Why this is fair : I have submitted all required documents under the FCRA, including my FTC Identity Theft Report, photo ID, proof of address, and Social Security card. These accounts and inquiries are fraudulent, and I did not authorize them. The credit bureaus are legally obligated to block and remove this information under FCRA 1681c-2 and other federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My online bank account was hacked on XX/XX/year>. I made this discovery after seeing a missed call from the bank and being unable to log in to my account on XX/XX/year>. I contacted Bank of America immediately and was informed that someone had created a new account and transferred funds from my checking account ( {$9000.00} ) and from my savings account ( {$19000.00} ) into that account and then transferred it to THEIR Bank of America account in Ohio. I was asked if I knew this person and I do not. After more discussion I was advised to shut off my computer and get it professionally cleaned before using it again. Immediately after I contacted XXXX XXXX who took over my computer remotely and removed a virus and programs that the hacker installed. When it was cleaned I contacted the bank for new log in credentials. At that point three claims were filed ; identity theft, and two for the {$9000.00} and {$19000.00}. On XX/XX/XXXX I contacted the bank and was advised all claims were denied because the transactions appeared to come from my computer. They re-opened the claims after I again told them I did not have any relationship with whomever did this. On XX/XX/XXXX I was again denied the claims which brought me here.

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 2025-07-29 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: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

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 2025-07-29 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: IL

Complaint narrative:
I am contacting you to urgently dispute an account that has appeared on my credit report. I want to be absolutely clear : this account is the result of unauthorized and fraudulent use of my identity. I did not open this account, Ive never had any involvement with it, and I did not give anyone permission to open it in my name. 

This is a serious matter. I am the victim of identity theft, and this account is causing significant and unjust harm to my credit profile. It is not only inaccurate it is completely illegitimate. I am demanding that this fraudulent account be deleted from my credit report immediately. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from being held accountable for accounts or debts that result from identity theft. As the law clearly states, I should not be burdened by financial obligations that I never agreed to, signed for, or even knew existed until reviewing my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: VA

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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : XXXX XXXXXXXX  INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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