vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
Several accounts listed on credit report not mine. Ive been sick/hospitalized since 2021 and been receiving mail stating my IDENTITY been compromised from several companies, finally tried to review credit report few weeks ago and noticed pure choas. Several reports are incorrect with several accounts open, closed and listed and collections. Placed freezes on reports and sending letters out. Contacted companies and no help

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent money in the amount of {$1300.00} to a chase bank business account from my XXXX  XXXX personal bank account using XXXX. Unfortunately, the day I sent it, chase closed my bank account due to a low bank balance ( you have to maintain a certain dollar amount in the bank ). Chase bank has stated they sent the money back to XXXX  XXXX. It has been multiple months at this point, but capital says they do not have it and that it is chased fault or XXXX fault. XXXX has provided documents stating that the account is {$0.00} but has not provided documents that they returned it, other than just showing me a computer screen saying it was. So now I do not know what to do, and I cant get chase or capital one to produce the money. I have called XXXX as well but they cant help me either. I would like chase to show that they actually returned it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
I cancelled my XXXX XXXX membership in XX/XX/year>. Six months later, in XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX ) claiming I owed {$240.00} to XXXX XXXX 
On XX/XX/year>, I sent a debt validation request under the Fair Debt Collection Practices Act Section 809 ( b ), requesting proof of the debt and documentation about my cancellation. I also informed them I had communicated with XXXX about cancelling my membership. 
Despite my validation request, the collection agency continued illegal collection activities : Sent additional collection emails on XX/XX/year> Sent text messages to my phone number on XX/XX/year> Sent text messages to a third partys phone number ( my girlfriends phone ) on XX/XX/year> Continued demanding payment without providing any validation On XX/XX/year>, I sent a formal cease and desist notice detailing their FDCPA violations, including continuing collection without validation, contacting third parties about the debt, harassment through multiple communication methods, and false representations. 
They have completely ignored both my validation request and cease and desist demand, continuing to contact me and third parties about an unvalidated debt. This violates multiple sections of the FDCPA including 809 ( b ), 805 ( b ), 806, and 807. * * This gives them a clear timeline and documents all the violations while staying factual and specific about dates and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Loan applications are being denied due to inaccuracies in my credit history. Although I have met all my financial obligations, these errors are unfairly damaging my creditworthiness and preventing me from accessing credit when needed. This situation is frustrating and unjust.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
What happened : I am disputing a debt that is inaccurately being reported under my name. I do not recognize this account, and I have never received any validation notice or documentation that proves this debt belongs to me. I have not entered into any agreement with the creditor or collector listed, and I have not authorized any transactions related to this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any debt I do not believe I owe, and the collector must provide proper documentation to verify its validity. So far, no such proof has been provided.

Additionally, continuing to report or collect on a debt without validation is a violation of 15 U.S.C. 1692g. If the collector can not furnish full documentationincluding the original creditors name, account history, and signed agreementsthen this debt must be removed from my record immediately. 

This account is damaging my credit and reputation, and I am requesting full deletion unless proven with hard evidence. Generic statements such as verified as accurate will not be acceptable. If validation can not be supplied, I expect this item to be removed completely and for confirmation to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone broke into my house around XXXX ago. they stole lots of things my bank of America debit card XXXX. They stole {$5.00}, XXXX my card Bank of America refuses to reimburse me the money. Thank you for your help.

Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am reaching out to request an investigation into certain accounts that are inaccurately listed on my credit report. In accordance with USC 1681g, I am requesting their removal within 15 days. Ive provided the necessary documentation for your review. In addition, the account details reported vary between credit bureaus and contain multiple discrepancies.

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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am providing an update to my initial CFPB complaint. In their first response, the company falsely claimed they were not the debt collector for the account in question. However, after I contacted them directly, they confirmed they are the collector and acknowledged the collection account.

I explained that the account is the result of fraud and identity theft and informed them I have both an FTC Identity Theft Report and this active CFPB complaint. Despite that, they stated I would need to pay {$380.00} in order to dispute or remove the item.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires collectors to block and remove identity theft-related accounts upon receiving proper documentation at no cost to the consumer. It also violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits misrepresenting facts, deceptive practices, and charging fees not authorized by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a letter in the mail detailing a checking account I never agreed to open. It said " Final Statement for this closed account '' and said it had a beginning balance of {$0.00} on XX/XX/year> and a closing balance of {$0.00} on XXXX. Wells Fargo is clearly opening accounts using people 's information without their consent, again. I do not have any Wells Fargo account, I bank with XXXX. My son is helping me file this complaint on the computer as I am XXXX XXXX XXXX. I will keep the letter that has an account number on it in case you need me to give it to you.

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 2025-07-23 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:
Im reaching out once again because fraudulent items are still being reported on my credit file. Despite submitting disputes and providing supporting documentation, these unauthorized accounts remain, and its extremely frustrating. This has gone on far too long and continues to negatively affect my credit and peace of mind. Additionally, Ive noticed that my personal information on the report is inaccurate, which likely contributed to these false accounts being connected to me. I am a victim of identity theft. My information was used without my consent, and I was advised by Experian to file an FTC identity theft report which I did. I submitted the report as instructed, yet the fraudulent accounts were never removed.

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 2025-07-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am being charged high interest rates I am being charged double the amount. I also dont believe I owe them as much as they are saying. I wasnt explained that the interest rates were as high XXXX XXXX. I was also never able to log into the room place website to monitor, I would also never receive verification for my payments via email. I also have Comenity Bank calling me about XXXX times a day I have about XXXX voicemails of them continuously calling me. The times that I would talk to someone so I can fix this they were rude and wouldnt even listen to me and say they could not help me and I had to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

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 2025-07-23 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-23 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-23 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:
Im following up once again regarding a fraudulent item that is still being reported on my credit file. Despite my repeated efforts to dispute this entry, it continues to show up causing unnecessary stress and damaging my credit standing. Whats even more concerning is that my credit report contains inaccurate personal details, which may have contributed to this false account being linked to me in the first place. I have been a victim of identity theft. My personal information was used without my consent, and I am now left dealing with the consequences of an account I was never associated with. Per Equifax 's instructions, I filed a report with the FTC and submitted the documentation, but the fraudulent entry has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

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, CHALLENGEDORNOT.

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 2025-07-23 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-23 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief