vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I reported these accounts as fraudulent, submitting a police report and an FTC report. These accounts were removed and blocked by the bureaus in XX/XX/XXXX because they could not validate the debt and did not send proof, as requested, of the original instrument of indebtedness to include my signature. These accounts have recently been added back to my credit report as of XX/XX/XXXX, with all new account numbers, name changes from the original name that was on these accounts back in XXXX, which were the fraudulent name. The amounts in XXXX were around {$46000.00}, and now in XXXX, these accounts are reporting {$82000.00}. I have reached out to these creditors on several occasions, and they have failed to comply with my disputes of fraud and my requests for an Identity Theft Affidavit. XXXX of the reporting companies is no longer in business, and I am getting the run-around from everyone I speak with at other companies, including the bureaus, who now have me filing a new police report and FTC forms, although I have my original complaints and police report from XXXX. The companies involved are as follows : XXXX, XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-17 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: DC

Complaint narrative:
Reporting agency furnished consumer reports. I did NOT give them written instructions to report this information, therefore, this is fraudulent/identity Theft. Under 15 US Code 1681c-2, the consumer reporting agency must block information that I identify as information that resulted from an alleged identity theft.

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 2025-07-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed terms despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law in my rights as a consumer. 

Account XXXX XX/XX/year>2022 {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Not the 1st I've been here with this EXACT issue Experian!!

THIS IS NOT ONLY THE 2ND TIME I'VE HAD MY CREDIT REPORT UNWANTINGLY UNLOCKED!! ... URG!!

This is a cheap ploy/tactic to coerce people into paid subscription by putting people at unnecessary risk by PURPOSELY unlocking their locked CREDIT REPORTS WITHOUT CONSENT/PERMISSION when * free subscriptions have ended. FYI, we had those 'free ' accounts because we've already been screwed over by a scrupulous crook!

This should be criminal!!

How many people have had their Credit Reports unlocked because of this disgusting harmful crooked practice without the account owners knowledge, only to have their information and credit used against them ( WHY ITS MOST LIKELY LOCKED TO BEGIN WITH RIGHT )!!

In the upload is the screen grab from the Email from Experian letting me know I've frozen my file. This email date is the date I'd discovered the file had been unlocked by Experian. How long was it unlocked for??? Was I notified that they unlocked it??? What's the exact reason for them unlocking it??? Is it absolutely necessary for them to unlock it, especially without our permission???

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-17 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: PA

Complaint narrative:
I reviewed my credit report and noticed that this account from XXXX XXXX XXXX ( account number : XXXX ) is fraudulent and does not belong to me. I attached the FTC report and my identifying documents. In accordance with FCRA regulations, please remove this account from my credit file immediately within 4 days. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing 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 2025-07-18 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: FL

Complaint narrative:
I noticed that two accounts, one from XXXX XXXX  ( Account Number : XXXX ) and another from XXXX  XXXX ( Account Number : XXXX ), have been reported as charge-offs on my credit report. 

I believe these entries are inaccurate, outdated, and possibly unverifiable. I previously disputed them with the credit bureaus, but they failed to provide proper validation or remove the incorrect information. I have also submitted a report to the FTC under report number XXXX, and I am now escalating the matter to the CFPB for further investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. These charge-offs are negatively affecting my credit score, and I request that they be fully investigated and removed if they can not be verified.

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 2025-07-18 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am filing this complaint because Capital One claimed that my XXXX Checking account ( ending in XXXX ) was closed as of XX/XX/2025, but the account still shows a frozen balance of {$12000.00}, and the funds are not available for withdrawal. 

Despite their written response to the CFPB in XXXX stating the account had no funds and was closed, that is completely false. I have attached a current screenshot clearly showing the funds remain in the account, frozen and inaccessible, and no check has been received. 

I request CFPB intervention because Capital One : Did not properly close my account. 

Failed to release or return my funds. 

Provided false or misleading information to the CFPB. 


This situation is causing me serious financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-07-18 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed an account that is unfamiliar and unauthorized. I did not open this account and have no contractual obligation tied to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, there were 2 unauthorized charges on my account, each of the amount {$1300.00}. XXXX of the 2 unauthorized charges was returned due to insufficient fund. I was also charged a {$10.00} overdraft fee. 

On XX/XX/year>, I called Bank of America and filed a claim of unauthorized charges. The representative filed a claim on my behalf on one of the charges ( transaction ID ending in XXXX ). A fraud alert was also placed on my account during this call. 

On XX/XX/year>, the claim was denied. The notice stated the fund was returned due to insufficient fund. The same day, another unauthorized charge hit my account ( again {$1300.00}, transaction ID ending in XXXX ). 

On XX/XX/year>, I called Bank of America again and explained the situation. The representative explained the denied claim was filed on the charge that was returned. She filed a new claim on the other charge from XX/XX/year> ( transaction ID ending in XXXX ). She also explained the transaction on XX/XX/year> ( ID XXXX ) would be returned due to the fraud alert. The same day, transaction ID XXXX was returned as expected. 

On XX/XX/year>, the second claim ( for transaction ID XXXX ) was denied, again citing the fund having been returned. 

On XX/XX/year>, I called Bank of America again. The representative verified my identity and reviewed my claims. He informed me the two transactions ( XXXX and XXXX ) were both tied to the returned fund mistakenly. He reopened my claim on transaction XXXX and made notes on the situation in the claim. 

On XX/XX/year>, my reopened claim on transaction XXXX was again denied, and again the reason was the fund having been returned. 

From the transaction history, it is readily apparent I am charged {$1300.00} without my authorization. I have called 3 times since and explained my situation 3 times. When I called on XX/XX/year>, the representative identified the issue before I explained anything, which showed Bank of America having all the information necessary to recognize the mistakes from their research department. And yet, they denied all of my claims mistakenly.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America XXXX Card : On XXXX I made a double payment ( attempting to pay off my XXXX  card balance in full ). XXXX payment was for {$490.00} and the other for {$490.00}. I was able to use my card after for a few purchases as my account essentially had a credit. Then, my card locked. I called customer service who said the only way to unlock my card would be to issue a credit back to my bank account for XXXX of the payments. This call took place on XXXX. The resolution from the call was that XXXX payment would be refunded to my account in XXXX business days. 

It is now XX/XX/XXXX and no refund was issued and I still can't use my card. I called this week on XX/XX/XXXX letting them know the above. The agent informed me that the previous request for the refund was never processed by anyone on XXXX. The agent then swore to me that she would handle it and escalate. The resolution of this call on XX/XX/XXXX was again, XXXX business days. 

Today is XX/XX/XXXX and I called again as I have not received my money back and still can't use my card. The agent today tells me again that they refund was not processed and the best she can do now is issue a refund in XXXX business days. 

Money is tight for me and they have now held my money for XXXX weeks. There have been numerous recorded calls where they did not do what they said. XXXX weeks later and I need this money and no resolution.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I SUBMITTED A WRITTEN DISPUTE TO TRANSUNION, EXPERIAN, EQUIFAX, REGARDING AN ACCOUT THAT IS INACCURATE AND OR UNVERIFIABLE. UNDER 15 USC 681i, I HAVE THE LEGAL RIGHT TO A FULL REINVESTIGATION, THE COMPANY FAILED TO PROPERLY INVESTIGATE AND CONTINES TO REPORT INACCURATE INFORMATION ADDITIONALLY, THEY ARE IN VIOLATION OF 16811s s-2 FOR REPORTING FALSE OR UNVERIFIED DATA 1681 1e ( b ) FOR REPORTING FALSE OR FAILING TO ENSURE MAXIMUM POSSIBLE ACCURACY, 1681c FOR REPORTING OBSOLETE-OUTDATED INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This letter is to request the deletion of several unauthorized hard inquiries on my credit report. I did not approve these inquiries, and they appear to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief