vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In 2022 I had a personal loan for {$500.00} opened in my name by Bank of America that I didn't authorize. I went into Bank of America to resolve it as I never authorized a personal loan to be opened in my name. They refused to resolve the situation however and I ultimately closed my accounts with them. They have not helped to provide information to prove I chose to open the loan.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In have the highest respect for Capital One, and previously I requested a full reinvestigation into a late payment applied to my credit reports for a XXXX XXXX payment. Capital One did submit the correction, and the late payment was removed on XXXX and XXXX XXXX but was never deleted on my XXXX  credit report. Accordingly, I am requesting that Capital One as well as XXXX  work collectively to see that my account is updated to PAID ON TIME NEVER LATE. I understand that mistakes are made and that this was simply an oversight. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account Capital One XXXX was opened with about XXXX in fraudulent activity. 
This account was opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX worth of fraudulent activity This account was opened in XXXX XXXX Main XXXX - about {$8900.00} worth of fraudulent activity This account was opened in XXXX XXXX  XXXX - about XXXX worth of fraudulent activity This account was opened in XXXXXXXX XXXX XXXX XXXX - about {$6900.00} worth of fraudulent activity. 
These are appearing on my XXXX report and are fraudulent. 
I have attached my FTC report case # XXXX as proof from the US FTC that all of the mentioned consumer credit cards, personal loans, are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXXXXX  ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage made insufficient effort to communicate the status of my student loans. As a borrower, it has been tremendously confusing to navigate repayment of student loans, with XXXX pauses and the XXXX administration 's talks to forgive the debt. Aidvantage did not communicate that payments on my loans were scheduled to resume and applied a late payment mark on my credit score, completely unfairly and inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
An account that was previously investigated and deleted from my credit report has been reinserted without proper notice. Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), the credit bureau is required to notify me in writing within five ( 5 ) business days of any reinsertion of information, including the name, address, and telephone number of the furnisher. I did not receive any such notice. This is a clear violation of the Fair Credit Reporting Act, and I am requesting that the reinserted item be deleted 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 non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a reasonable investigation into a dispute I submitted, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Below are the details of my complaint : On XX/XX/year>, I mailed a dispute letter to TransUnion, disputing inaccurate accounts and a bankruptcy entry reported on my credit report. The disputed accounts are reported with discrepancies, and the bankruptcy entry contains incomplete information, both of which violate FCRA provisions for accurate and complete reporting. To verify my identity and confirm that I sent the dispute letter, I included copies of my government-issued ID, Social Security card , and proof of address, as required by TransUnions dispute process. 
On XX/XX/year>, I received a response from TransUnion stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is inadequate and unjustified, as I provided all necessary documentation to authenticate my identity and the dispute. 
Under FCRA 1681i ( a ) ( 1 ), TransUnion is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate when a consumer disputes the completeness or accuracy of any item in their credit file. By refusing to investigate my dispute despite receiving proper documentation, TransUnion has violated my consumer rights under the FCRA. 
These errors and TransUnions failure to conduct a proper investigation have caused me harm, including emotional distress. I am including copies of my dispute letter dated XX/XX/year>, and TransUnions response dated XX/XX/year>, as evidence.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
Subject : Formal Complaint and Request for Investigation Unverified Collection Account by XXXX XXXX XXXX Dear CFPB, I am submitting this formal complaint regarding an unverified collection account reported by XXXX XXXX XXXX on my Experian and Equifax credit reports. Despite initiating this dispute process over three months ago and submitting multiple requests for validation, the account remains on my credit reports with no resolution. 

Account Information : Account Holder : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Reporting Agencies : Experian and Equifax Timeline and Background : Over the past three months, I have submitted three separate disputes regarding this account. In each case, I specifically requested the following from the credit bureaus and XXXX XXXX XXXX : Proof of ownership of the alleged debt. 

The original signed contract or documentation evidencing the debt. 

Verification of the debts validity, as required by law. 

To date, I have received no documentation, and the information remains on my reportsunchanged and unverified. 

Cited Violations and Legal Grounds : 15 U.S.C. 1681i ( FCRA ) Requires credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable information. 

15 U.S.C. 1681 ( FCRA of 1970 ) Establishes the right of consumers to dispute inaccurate or incomplete information. 

15 U.S.C. 1681b ( a ) ( 2 ) Restricts access to credit reports to those with a legitimate purpose. 

15 U.S.C. 1692g ( FDCPA ) Requires debt collectors to validate debts within 30 days upon request. 

Despite being legally obligated to do so, neither the reporting agencies nor the furnisher has complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
I recently disputed late payments reported for the account ending in [ XXXX XXXX XXXX Account number XXXX ] on XX/XX/XXXX. Your response indicated no changes were made, and that I continue to disagree. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed explanation of the method used to verify the accuracy of the reported late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Please provide the following : The name and contact information of the data furnisher ( creditor ) A description of the procedure used to verify the information Any documents provided by the furnisher used in your reinvestigation This request is made pursuant to FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). I expect a response within 15 days of receipt.

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 2025-05-23 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: MA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-23 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: MA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-23 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: FL

Complaint narrative:
My identity was compromised during the XXXX XXXX data breach, and I am a confirmed victim of identity theft. On XX/XX/year>, I submitted a dispute to Experian with all documentation required under FCRA 1681c-2, including : A government-issued photo ID Proof of current address ( utility bill ) FTC Identity Theft Report ( filed via IdentityTheft.gov ) Despite this, Experian has failed to remove the following unauthorized inquiries, which were made without my knowledge or consent and serve no permissible purpose under FCRA XXXX : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> and XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> and XX/XX/year> I have no accounts with these entities and did not grant them permission to review my credit. These inquiries are having a negative impact on my credit standing and peace of mind.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out because i cant access my online account My name is XXXX XXXX. I cant access my online account with Equifax, so Im reaching out through this platform.Im asking for the removal of late remarks on my credit report. Ive provided letter of creditor approving request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. 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 2025-05-23 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: TX

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got an email saying I have changed or added a person to my XXXX contacts and if that wasnt the case to contact chase. I did contact chase and told them I havent sent any money or changed anyones information. The contact says XXXX but is not XXXX I tried calling that individual and I get no answer. I do not have XXXX service or own a car. I tried explaining to Chase that I have never sent any money to this individual so it can not be an error cause when you XXXX someone stays in your recent activities and frequent contacts to XXXX. The amount is XXXX. Chase claims I do make that type of deposit frequently and yea I do but I dont XXXX this person and have never. 
This was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

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 non-monetary relief