vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was medically XXXX when someone took out {$60000.00} line of credit off my house! How do I explain it to the Bank of America? Im really sorry youre going through this, XXXX. That sounds overwhelming. When you explain this situation to Bank of America, you want to be clear, factual, and firm that you were the victim of fraud and that your medical XXXX made you more vulnerable at the time. Heres how you can approach it step by step : XXXX. Gather Documentation Proof of XXXX ( doctors letters, Social Security award letters, etc. ) Proof you didnt authorize the line of credit ( no signed documents, no transaction history matching your accounts ). 
Any letters or statements from Bank of America about the line of credit. 



XXXX. What to Say to Bank of America Youll want to write a letter ( and keep a copy ), and also call them. Heres a framework for what you can say : I am contacting you regarding a fraudulent line of credit in the amount of {$60000.00} that was taken out against my property without my knowledge or authorization. At the time this account was opened, I was medically XXXX and unable to manage or authorize such transactions. I did not apply for this credit, I did not sign for it, and I did not receive any funds from it. 

I am requesting that Bank of America investigate this matter as fraud and provide me with all documentation related to the application and approval of this line of credit. Please also provide me with information on what steps I need to take to formally dispute this debt and protect my property. 



XXXX. Next Steps You Should Take Fraud Department : Call XXXX  XXXX XXXX XXXX department directly. 
Dispute in Writing : Send your dispute letter by certified mail, return receipt requested. 
Police Report : File a police report for identity theft/fraud. Banks often require this. 
FTC Identity Theft Report : You can file XXXX at XXXX. 
Attorney Consultation : Because this involves a lien on your home, you may want to consult a consumer protection or elder law attorney ( many offer free consultations ). 
Credit Bureaus : Place a fraud alert or even a credit freeze with XXXX, XXXX, and XXXX. 



I can also help you draft a polished letter to Bank of America if youd likesomething you can send right away. Do you want me to write it in a formal business style or in a personal, compassionate tone that highlights your XXXX and victimization

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card was set up to pull payment from my XXXX XXXX XXXX  account. Capital One Pulled On XX/XX/XXXX applied it my account brought then put held on to increase current balance for an interest they could apply on the XXXX of XX/XX/year> after I called at XXXXXXXX XXXX the mobile app said interest of XXXX on purchase made XX/XX/year> No purchase was made. They withheld applying the funds to apply interest Called three way with XXXX XXXX XXXX they confirmed all was cleared and paid on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX  {$31000.00}, XXXX XXXX  {$20000.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
on XX/XX/25 I sent debt validation letter certified mail {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MO

Complaint narrative:
XXXX XXXX is being reported inaccurately on my credit report. Transunion has the date of last activity reported as XX/XX/XXXX, Equifax has the date of last activity listed as XX/XX/XXXX, and XXXX doesn't have a date listed at all. The highest balance is reported by Transunion as {$700.00}, Equifax is reporting {$1100.00} as the highest balance, and XXXX doesn't have a balance listed at all. Transunion reported the date opened as XX/XX/XXXX, Equifax reported the date opened as XX/XX/XXXX, and Experian didn't list a date opened at all. Transunion listed the date of last payment as XX/XX/XXXX, Equifax reported the date of last payment as XX/XX/XXXX, and Experian didn't report a date at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX is being reported inaccurately on my credit report. Transunion has the date of last activity reported as XX/XX/XXXX, Equifax has the date of last activity listed as XX/XX/XXXX, and XXXX doesn't have a date listed at all. The highest balance is reported by Transunion as {$700.00}, Equifax is reporting {$1100.00} as the highest balance, and XXXX doesn't have a balance listed at all. Transunion reported the date opened as XX/XX/XXXX, Equifax reported the date opened as XX/XX/XXXX, and Experian didn't list a date opened at all. Transunion listed the date of last payment as XX/XX/XXXX, Equifax reported the date of last payment as XX/XX/XXXX, and Experian didn't report a date at all.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I was a victim of identity theft I did not take this loan out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I checked a XXXX party credit report and found a chaos casserole of information reported and used for what looks like a loan application that shows to be in collections? Use code XXXX  to delete from all data bases thanks.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital One kept my credit card autopay linked to a CLOSED external bank account for about a year. They repeatedly tried to debit that account, assessed about XXXX XXXXXXXX in returned-payment/late fees, and did not provide effective notice of the failures. 

During this same period, I was making separate payments ( essentially double-paying ), and in XX/XX/year> I paid the account in full. Despite this, in XXXX and XX/XX/year> Capital One reported XXXX late payments to XXXX  and XXXX. XXXX  shows no lates. XXXX  also incorrectly lists my credit limit as {$0.00} instead of {$600.00} and shows a different last payment date than the other bureaus. These conflicts prove the furnishing is inaccurate and inconsistent. 

When I contacted Capital One, their phone support told me there was " no way to dispute or adjust '' and refused to fix the errors. This conduct violates XXXX XXXX XXXX XXXX FCBA/Reg Z XXXX XXXX ( billing error ; failure to properly credit payments ) XXXX XXXX XXXX  EFTA/Reg E XXXX XXXX ( electronic funds transfer error handling and notice ) XXXX XXXX XXXX FCRA XXXX XXXX ( duty to furnish accurate information ; reinvestigation obligations ) XXXX XXXX XXXX UDAAP XXXX XXXX  ( unfair and deceptive practices by continuing failed debits, charging fees, and refusing reasonable correction ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( inaccurate delinquency aging, missing XXXX  dispute coding, inconsistent credit limit and payment fields ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Transunion with a government issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B. Despite this, Transunion failed to block the fraudulent information within four business days, as required by law. Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30- day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have been using cash app for years I pay my car payment send my kids money and it's XXXX all this time they said they closed my account due to not obeying policy they will not tell me what I don't wrong they told me to use a computer to start a new one when I did they closed that one they keep saying they closed my account due to me not communicating with them but they keep telling me I have to wait XXXX  days for an answer but then they send me an email saying they haven't heard from me that's a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
As per the guidance from the Consumer Financial Protection Bureau CFPB, the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under the XXXX  according to XXXX Final RULE XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted. please delete the following account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
There was a debt collection from an old medical debt in the amount of XXXX. This debt collection was on my experian report for approx 1 year. It seems they, XXXX, sent me an offer of XXXX but it was lost before I could respond. Before I could contact them it disappeared. I knew at this point another collection company probably purchased the debt. With that being the case, I waited to see if the new owner of debt would send me a letter and also maybe offer a small settlement to end this. 
No letter in the mail as XXXX  months go by and all of a sudden the debt shows back on my XXXX  credit knocking me back XXXX points from my XXXX rating. No warning, no nothing. 
I then submitted a dispute through XXXX  and after about 10 days or so XXXX  sends me an email notification that they were satisfied the debt was owed! Thats not the point! The point is the collections company did not provide written proof of debt and XXXX  should also be held accountable in letting them post the debt without protecting the consumer. It is all one big scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My wallet was stolen and unauthorized purchases were made and late payments are on my TransUnion account that I have no legally liable for and I demand that everything negatively impacting my credit profile to be removed immediately. I have submitted the police reports.Thank for everything in advance and please correct my credit profile immediately.

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 2025-08-22 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: GA

Complaint narrative:
I am extremely frustrated to see that inaccurate accounts are still appearing on my credit report this morning, and I have no idea why. I checked my report as I normally do, and suddenly these discrepancies showed up. I even refreshed my browser thinking it might just be a glitch, but it wasnt. The unauthorized inquiries did not disappear, which is unacceptable. I urgently need the documents Ive provided to be reviewed thoroughly so this issue can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
My XXXX XXXX XXXX  account with XXXX XXXX with XXXX XXXX XXXX was fraudulently used for the amount of {$1700.00}. My payment was due XX/XX/XXXX, which was on a Sunday. I went to make my payment and noticed that my account displayed a different balance. However, I still made my payment because I didn't want to be late. With it being a Sunday, I couldn't call them to dispute it until Monday morning on XX/XX/XXXX. After I called, I really didn't feel like they were helpful with resolving the issue considering I was just scammed. While on the call it was discovered that all my information was changed on the account : My address, and my phone number. The address it was changed to was XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I live in XXXX, Tn XXXX and I've never been to Pennsylvania a day in my life. Then the charge was made at XXXX XXXX XXXX XXXXXXXX FL. The person who handled my account the last time I made a purchase on the account was XX/XX/2024. The guy who handled my account and purchasing was XXXXXXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX. Store number XXXX. I've never been scammed a day before in my life, and I've never made any payment late before. I made my payment, and my payment was returned due to my payment information being changed on the account as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On XX/XX/2025, I sent a notarized written dispute to XXXX Information Solutions , Inc., via certified mail with return receipt. This dispute included : My full legal name, date of birth, and Social Security number Government-issued photo ID Proof of current address Original notarized signature Specific itemized disputes under FCRA 1681i , including account name, account number, balance, date opened, and Date of First Delinquency USPS tracking confirms delivery to XXXX. On XX/XX/2025, I received an email from XXXX stating they would not take any action on my dispute because it does not appear to have been sent directly by you. This refusal is unlawful. Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to reinvestigate disputed items within 30 days upon receiving notice from the consumer. 12 CFR 1022.123 : Allows CRAs to require reasonable proof of identity but prohibits refusal based solely on the method of mailing. My dispute contained more than sufficient identifying information. FCRA 1681i ( a ) ( 2 ) : Requires CRAs to forward all relevant information to the furnisher. XXXX  refused to process the dispute at all. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Held that CRAs may not reject a dispute solely because it was mailed via a third party. Requested Enforcement Action : Given XXXX  willful refusal to comply with its statutory duties despite receiving a notarized dispute with full identity verification, I request that the CFPB treat this as a pattern and practice violation under the Fair Credit Reporting Act. I ask that the Bureau initiate compliance monitoring and consider civil penalties against XXXX to deter future violations affecting other consumers. Attachments provided : Copy of notarized dispute letter sent to XXXX Proof of certified mail delivery XXXX email refusing to investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I GOT A BILL BACK IN EARLY XXXX FOR A CELL PHONE BILL. I TRIED TO RESOLVE IT WITH THE CELL PHONE COMPANY BUT THEY WOULD NOT PROVE THAT IT WAS ME. THEN THE FIRST COLLECTION COMPANY TRIED TO COLLECT AND THEY WOULD NOT PROVE OR SEND PROOF THAT IT WAS ME. NOW ANOTHER COLLECTION COMPANY IS TRYING TO COLLECT AND SAME THING THEY WILL NOT SEND ME ANY PROOF. I DID HAVE AND FILES WITH THE POLICE DEPARTMENT IN XXXX OF XXXX IDENTIY THEFT. NOW THIS IS ON MY CREDIT AND HAS BEEN ON MY CREDIT. NOT FAIR.

Company response to consumer: Closed with explanation