vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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:
From the XXXX XXXX XX/XX/XXXX I have been in constant contact with XXXX XXXX Bank regarding a loan that was charged off in XXXX due to it being inadvertently left out of my repayment program. I contacted XXXX XXXX in XX/XX/XXXX to inquire about this loan and how to handle it. I contacted the collections agency and accepted a settlement. I settled the account for less than the full balance around XXXX. The collections agency, XXXX, informed me that my account with them was closed following the settlement and that XXXX does not do credit bureau reporting. I contacted XXXX XXXX several times to confirm they had my account, the settlement information, etc. necessary to update the credit bureaus. Some XXXX XXXX agents told me that everything was handled and to wait XXXX days, other agents told me they were unsure why I was contacting XXXX XXXX XXXX XXXX they did not have my account. XXXX also claims to not have my loan account. Both companies continued to state that I should speak to the other company about the matter. XXXX XXXX agents instructed me to file disputes with the documentation I had ( release of debt letter, proof of payment, etc ). I filed disputes with all three credit agencies in XX/XX/XXXX. They have all updated to varying degrees but remain mostly incorrect, maintaining a derogatory status with an open, past due balance that is further damaging my credit. XXXX advice for disagreeing with the outcome of a dispute is to contact the lender directly, which I have already done unsuccessfully. Since XXXX XXXX and XXXX both claim to not have ownership of this loan, neither are willing/able to update the credit bureaus, and it seems the credit bureaus can only update the reports to an extent without confirmation from the lender. I settled my debt, I am simply asking for my credit to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Well I deposited a check and the customer service agents from CHASE BANKING told me instead of giving me the correct information they mislead me to XXXX different agencies stating that there was a hold and that the check will be most likely be returned. Also when I would call the bank automated system asked me for extra verification but on Friday the XX/XX/year> the automated system directed my call To a customer service agent and after she verified my name she clearly started to get annoyed because she knew who was as and I had spoken to her on prior days. Now customers service is supposed to help you outreach the situation not treat you like a Annoying, fraudulent, Unprofessional, Needy, XXXX that they can do as they please the The deposit was made from me at a branch and the atm machine says this check can get a hold fo1 to 7 businesses days not 10 business days on top of that why the extra verification they just started doing after XX/XX/year> when they had call other places Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
XXXX expressly recognized that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit ( 15 U.S.C. 1681 ( a ) ( 3 ). With that responsibility comes a duty of maximum possible accuracy and compliance with the Fair Credit Reporting Act ( FCRA ).

Transunion is Reporting fraudulent accounts that were never authorized by me. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block identity theft-related information within XXXX business days of receiving proper documentation. 

Failure to do so is a violation of federal law. 
Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Required blocking of identity theft-related information within XXXX business days. 

FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation of disputed items.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-XXXX ) : Prohibition against reporting information known or reasonably expected to be inaccurate. 

The continued reporting of fraudulent accounts is damaging my creditworthiness, lowering my score, and preventing me from accessing fair credit opportunities. It is also causing reputational harm and financial loss. I reserve all rights to pursue damages to the fullest extent allowed under law for ongoing violations.

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt does not belong to me I have never received any information about owing this company this debt was just added to my credit without contacting me or verifying the debt which is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a balance of approximately XXXX on a credit card with Bank of America as part of a promotional balance transfer where there is zero interest for approximately 15 months. Approximately 3 months ago I was locked out of being able to log into my online banking account which was needed in order to make payments. Using the forgot password or forgot user ID buttons and process was locked out for me. After calling Bank of America multiple times and trying to resolve it I was told approximately on XX/XX/year> that a Bank of America representative would call me to help me unlock my account so I could begin making payments again. I never received a call from them and continued to stay locked out of my account. Today, XX/XX/year> I have learned that Bank of America has reported me to XXXX  and XXXX  for failing to make payments on my credit card and my credit has gone down by XXXX points now. If Bank of America would have allowed me to make payments I would have made them but I was prevented from doing so. I called Bank of America also on XX/XX/XXXX and expressed my frustration that a Bank of America employee never called me to help me unlock my account as promised last time I spoke to them. The representative on the phone XXXX, was extremely rude and told me that I had to visit a Bank of America in person with two forms of ID to get my account unlocked. This was the first time I was told that and I would have gladly done it previously if I had been informed. I further inquired about getting the strike on my credit report removed as my credit score went down XXXX from this instance and would have gladly paid my credit card payments if I was able to. This has been a nightmare dealing with Bank of America and they have been incredibly difficult to work with and helping me resolve my situation. I have worked very hard to keep my credit score high and them blocking me from making payments and then reporting me to credit bureaus for not paying is incredibly frustrating and feels like abusive behavior

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 2025-08-24 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: IN

Complaint narrative:
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 on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX Washington XXXX DC XXXX Re : Complaint Against I.C. System Violation of 15 U.S.C. 1692c ( c ) Dear Sir or Madam, I am writing to file a formal complaint against I.C. System for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

On XX/XX/year>, I advised I.C. System to cease all telephone communication with me regarding an alleged debt in the amount of {$750.00}. Despite this clear request, the company has continued to place repeated calls to me, in direct violation of federal law. 

As you are aware, 15 U.S.C. 1692c ( c ) expressly requires debt collectors to cease further communication with a consumer once they have been notified in writing that the consumer wishes them to stop, except to confirm cessation of collection efforts or to notify of specific legal actions. I.C. Systems continued calls after my cease-communication notice constitute harassment and an unlawful collection practice. 

This conduct has caused me significant stress and inconvenience. I respectfully request that your office : 1.Investigate I.C. Systems repeated violations of the FDCPA.

2.Take enforcement action to ensure compliance with consumer protection laws.

3.Require I.C. System to cease all further communication with me, except as permitted under the statute. 

Please find attached any supporting documentation, including records of calls made after my cease-communication notice. 

Thank you for your attention to this matter. I look forward to your prompt response and to appropriate enforcement action being taken against I.C. System.

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have no knowledge of this account was just added to my collections never have heard of this place or done business with this place never received proof that this debt belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Consumer Name : XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnio credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business and personal credit card accounts opened at XXXX XXXX last day reported XX/XX/XXXX using my name date of birth and SSN. an auto loan account opened with XXXX XXXX XXXX on or around XX/XX/XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Consumer Name : XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business and personal credit card accounts opened at XXXX XXXX last day reported XX/XX/XXXX using my name date of birth and SSN. an auto loan account opened with XXXX XXXX XXXX on or around XX/XX/XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/year>, a woman impersonated me to Discover Bank, where I have a checking and savings account along with a credit card. She was able to steal {$30000.00} from my savings. However, there was a XXXX wire transfer to my niece ( who didn't receive the transfer ) and and inter-account transfer of {$140.00} from checking to savings before wiping the savings account clean. Discover has placed a recall on the wire transfer to the receiving bank, XXXX XXXX XXXXXXXX, but the money has not yet been recovered. What is distressing about this is the fact that I never wire money outside of my savings account, just from savings to checking and rarely vice versa. This event occurred three days after being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have ID Theft insurance through Discover credit card via XXXX and I tried to file a claim to recover the funds that way. They have rejected the claim but I am in the process of appealing it. I've recently learned from detectives that the fraud began at XXXX XXXX ( there are 12 cases like this throughout the US, I'm the 13th - there may be more ). Upon admission and after staff learned I do not have a power of attorney, a woman forced me to sign a piece of paper saying that I didn't have a right to expect a reasonable amount of privacy in terms of personal information. I was completely out of it due to the massive amount of XXXX  I was on and in shock from the invasion. When the fraud occurred, they knew certain details about me that they could only have learned from the hospital. If I didn't have to go to the hospital, I wouldn't have been robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I am disputing the inaccurate reporting of a late payment on my closed XXXX XXXX XXXX account ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ). This account is being reported as Closed Negative with delinquency/late ( s ), which is inaccurate, incomplete, and unverifiable. 

I already disputed this account with the credit bureaus through the Metro 2 ( M2 ) system, using the appropriate E-OSCAR dispute codes. However, XXXX XXXX XXXX verified the account without conducting a proper investigation, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA 611 ( 15 U.S.C. 1681i ) requires a reasonable reinvestigation of disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires data furnishers to report accurate and complete information. 

XXXX and the credit bureaus failed to meet these legal obligations. The reported delinquency is unverified, misleading, and harmful to my credit profile, causing unfair and ongoing damage. 

I am requesting that the CFPB require XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) to : Conduct a full and proper reinvestigation. 

Provide verifiable proof of the alleged delinquency OR delete it immediately. 

Correct the record and provide written confirmation of the results. 

If this continues unresolved, I will escalate the matter further, including filing with the FTC, State Attorney General, and pursuing all legal remedies available under the FCRA for willful and negligent noncompliance.

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
There was an incident where I switched my direct deposit and chime took {$150.00} from me. After becoming angry, I XXXX  out a chime supervisor. The next date my account got closed. 

I did not violate my policy and I don't appreciate chime lying why my account got closed .. I know for a fact it was that chime supervisor who banned my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 2025-08-25 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 submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX, which XXXXXXXX XXXX XXXX confirmed would be removed but remains on my reportIt is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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