vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-27 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under XXXX XXXX. XXXX. This action will include claims for the following violations : XXXX XXXX XXXX Negligent Enhancement of Identity Fraud Violations under XXXX XXXX Code XXXX, XXXX ( b ), XXXX, XXXX, XXXX ( XXXX ) Failure to comply with XXXX XXXX Code XXXX ( g ) Violation of XXXX XXXX Code XXXX ( XXXX ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-06-27 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under XXXX XXXX. XXXX. This action will include claims for the following violations : XXXX XXXX XXXX Negligent Enhancement of Identity Fraud Violations under XXXX XXXX Code XXXX, XXXX ( b ), XXXX, XXXX, XXXX ( XXXX ) Failure to comply with XXXX XXXX Code XXXX ( g ) Violation of XXXX XXXX Code XXXX ( XXXX ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
i went to put a deposit into the atm and the atm beeped for about 3 minutes and the kept my money and said transaction cancelled i contacted the bank the next day i was told that i would receive a call back by the end of the day after they count the atm and i never received that call. The next day I called back and a girl name XXXX said oh im so sorry someone was suppose to call you back and she then told me that since a dispute was already made which I did call the customer service line and the woman filed dispute with me after i talked to the bank manager and he pretty much said oh the atm came out even so pretty much there is nothing they can to I then requested the security camera footage and he very rudely said he will request the security team to get this footage and said he would contact me the next day which he did not

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 2025-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I filed a complaint ( XXXX XXXX. XXXX ) regarding an account that someone attempted to open in my name without my authorization. I did not apply for this account. 

I disputed the application and requested that the related inquiry be removed from my credit report. After the CFPB contacted Bank of America, Bank of America conducted an investigation and determined that the account was not valid. Bank of America then issued a letter stating that the inquiry would be removed from my credit report within 90 days. 

Since receiving that letter, I have called the phone number provided at the bottom of the compliance letter ( XXXX Ext. XXXX ) eight times over the past month and a half, but I have not received a call back. The representative listed on the letter is XXXX XXXX. 

I have also contacted Bank of Americas general customer service, but they have informed me there is nothing further they can do. As of today, Bank of America has still not removed the inquiry from my credit report.

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 2025-06-27 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: CA

Complaint narrative:
I have submitted XXXX different issues with the credit bureaus Experian, Transunion and Equifax. They both have to deal with identity theft. From what i have been told about identity theft policy is that once that is filed and sent to them for correction especially inquiries, they are supposed to remove the fraudulent activity as in the inquiries and XXXX  card account open using my identity which was stolen right away. I've only gotten responses saying they will get back to me which at this point is unacceptable. Another huge problem is that each of the XXXX  credit bureaus have completely different credit information and none of them are accurate or even close to being accurate. This is a major violation and i expect this to be fixed and addressed now. It is not right or fair that they can each have different reports and at the same time they are doing XXXX  with these false and inaccurate reports affecting my ability to not only obtain credit but affect my financial security as a whole. XXXX the amount of time allotted for their response and for them to correct my report is more than unfairness at this point toward myself who is a consumer and at which no protection is being upheld as it is supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I have submitted XXXX different issues with the credit bureaus Experian, Transunion and Equifax. They both have to deal with identity theft. From what i have been told about identity theft policy is that once that is filed and sent to them for correction especially inquiries, they are supposed to remove the fraudulent activity as in the inquiries and XXXX  card account open using my identity which was stolen right away. I've only gotten responses saying they will get back to me which at this point is unacceptable. Another huge problem is that each of the XXXX  credit bureaus have completely different credit information and none of them are accurate or even close to being accurate. This is a major violation and i expect this to be fixed and addressed now. It is not right or fair that they can each have different reports and at the same time they are doing XXXX  with these false and inaccurate reports affecting my ability to not only obtain credit but affect my financial security as a whole. XXXX the amount of time allotted for their response and for them to correct my report is more than unfairness at this point toward myself who is a consumer and at which no protection is being upheld as it is supposed to.

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 2025-06-27 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: NV

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is the text I have received and I was a victim of identity theft XXXX XXXX ago but theres no record of this account/debt mentioned on my credit reports and I have never had one XXXXpen with either XXXX XXXX XXXX nor Home Depot so Im copying and pasting the texts I have received Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : Monthly : {$58.00} Duration : XXXX XXXX Ready to start? Visit XXXX? XXXX. Questions? Reply or call us at XXXX during business hours. 

This message is from XXXX XXXX XXXX XXXX XXXX and is related to your The Home Depot account, originated by XXXX XXXX XXXX XXXX, now owned by XXXX XXXX XXXX XXXX, XXXX. 

Click here for important disclosures https : XXXX. Reply BYE to opt out.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account keep getting charge for overdraft because the update transactions on the account too late. When transactions is made on the day it's pending without knowledge. Then the add the charges and cause the account to go into negative even after you deposit money to fill the negative balance they will still use old transactions to cause account to be overdraft

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX * * is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: LA

Complaint narrative:
Reliant Capital Solutions , LLC has contacted me regarding an alleged debt but has refused to provide any documentation validating the amount owed. When I asked for a breakdown of the debt including the original creditor, itemized charges, and basis for the amount they stated that they did not have that information. 

I advised them that I would not pay without written documentation. They insisted that they could only discuss the matter over the phone and would not send information by email or mail. I requested written communication only, which they refused to honor. 

Their refusal to validate the debt and their insistence on phone-only communication violates my rights under the FDCPA. 

This occurred between XXXX and XX/XX/year>. I have not received any validation or documentation from them during this period. 

I am filing this complaint to formally request that they cease collection activity until they provide written validation of the debt and agree to written-only communication moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 disputing a derogatory account listed as XXXX XXXX which was reportedly opened in XX/XX/XXXX, with last activity and payment on XX/XX/XXXX. The account is listed as charged off and transferred or sold, but the current balance is {$0.00} and there is no clear indication of who owns the debt now. 

I do not recall authorizing or using this account. I have never received any documentation, billing history, or written notice of sale or charge-off from XXXX XXXXk or any successor owner. This account has remained on my report without any communication or proof, which is in violation of my consumer rights. 

Furthermore, this account is now over XXXX XXXX XXXX, and the original delinquency appears to have occurred in early XXXX, which means it is approaching or may have already passed the XXXX limit for derogatory marks under the FCRA reporting window. 

I believe this item is either : Fraudulent, Misreported, or Unverifiable, and I am requesting immediate deletion unless full documentation can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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