vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains inaccurate and unauthorized information, specifically unverifiable collection accounts and/or charge-offs. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by previously disputing these entries, yet the credit reporting agency has continued to report them without proper investigation or verification, in direct violation of 15 U.S.C. 1681i and 1681e ( b ). These accounts were never authorized by me, and no supporting documentationsuch as signed contracts or written consenthas been provided, as required under the law. 

Negative accounts : XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Late 30 days ( Not aware of this account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Collection/Chargeoff The continued reporting of this inaccurate information despite being notified constitutes willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory damages. It also demonstrates negligent failure to maintain reasonable procedures to ensure maximum possible accuracy, in violation of 1681o.

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 2025-07-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue Summary : I sent {$430.00} using XXXX XXXX  on XX/XX/XXXX ( funded through my Bank of America account ) to a recipient who does not have XXXX XXXX set up and is unable to set it up on their phone. The money was deducted from my account, but the recipient never received or accepted it. 

Details : The payment shows as " Completed '' in XXXX XXXX, but the recipient can not access the funds. They showed me their phone, and XXXX XXXX is not set up and can not be enabled on their device. XXXX XXXX confirmed the funds can not be claimed and referred me back to Bank of America for a refund or reversal. 

I contacted Bank of America, but they refused to refund me or allow me to file a dispute, despite the fact that the money was never actually received by the intended person. I have documentation showing the transaction and the recipients inability to accept the funds. 

I am now stuck between XXXX and BOA, with no one taking responsibility, and my {$430.00} is essentially lost. I am requesting the CFPB 's assistance to help recover funds that were never actually delivered.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2021, Balance : {$5000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2021, Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
The account was disputed and taken off my account and approximately three days later it was put back onto my account after a promise of removing the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I disputed this debt in writing on XX/XX/year> and XX/XX/year>. It is for XXXX to XXXX, a separate legal entity and a previous employer. The collector, Hunter Warfield, has not provided any documentation showing I personally owe this entire debt. I have requested verification twice and received only a ledger in the name of XXXX to XXXX, not me. In both letters, I formally disputed the debt and requested validation. I also requested communication in writing. They continue to contact me via phone and text, despite my written request for communication in writing only. They have also sent a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a 120-day delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. 
This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect.

Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. 
If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of federal law.

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 2025-07-24 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: TX

Complaint narrative:
the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a 120-day delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. 
This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect.

Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. 
If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of federal law.

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 2025-07-24 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
b"To Whom It May Concern,\n\nI am filing this complaint to report a serious and harmful inaccuracy related to a XXXX XXXX XXXX XXXX  credit card account that is currently damaging my credit profile due to unlawful reporting practices.\n\nThis account was charged off, yet it is being reported in violation of the following:\n\n1.  Violation of the CARES Act (Public Law 116-136)\nThe CARES Act, effective XXXX XXXX XXXX through XXXX XXXX XXXX, amended the Fair Credit Reporting Act (FCRA) under Section 4021, requiring furnishers to pause negative credit reporting for accounts under accommodation due to COVID-19 hardship.\n\nDuring this time, I experienced financial hardship due to the pandemic and was entitled to protection from adverse credit reporting. Despite this, XXXX XXXX XXXX XXXX reported my account as delinquent and ultimately charged off the account in XXXX XXXX, which violated the law during an active CARES protection window.\n\n2.  Illegal Re-Aging of Charge-Off (FCRA  605(c)  15 U.S.C.  1681c)\nEven more concerning, XXXX XXXX  re-aged the charge-off by continuing to report the account as newly delinquent from XXXX XXXX through XXXX XXXX, falsely making the account appear more recent and more damaging than it actually is.\n\nUnder the FCRA:\n\nThe Date of First Delinquency (DOFD) governs the reporting period for derogatory items. Re-aging the delinquency date or updating the account in a way that misrepresents the original default is strictly prohibited under 15 U.S.C.  1681c(a)(4).\n\XXXX XXXX monthly updates to this charge-off are misleading and suggest ongoing activity where none exists, which illegally extends the damage to my credit score and falsely resets the accounts reporting life cycle.\n\n Requested Resolution:\nI am requesting the following corrective action:\n\nThe negative XXXX XXXX XXXX XXXX charge account be deleted because of its' illegal reporting;\n\nIf the account was reported during CARES Act protection due to hardship, then the entire charge-off entry must be removed as a violation of federal law;\n\nProvide written confirmation and a corrected credit report upon completion of the investigation.\n\nThis inaccurate and unlawful reporting has directly harmed my ability to access credit, housing, and fair financial opportunities.\n\nPlease escalate this complaint and provide a resolution in accordance with the Fair Credit Reporting Act and the CARES Act.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
b"To Whom It May Concern,\n\nI am filing this complaint to report a serious and harmful inaccuracy related to a XXXX XXXX XXXX XXXX  credit card account that is currently damaging my credit profile due to unlawful reporting practices.\n\nThis account was charged off, yet it is being reported in violation of the following:\n\n1.  Violation of the CARES Act (Public Law 116-136)\nThe CARES Act, effective XXXX XXXX XXXX through XXXX XXXX XXXX, amended the Fair Credit Reporting Act (FCRA) under Section 4021, requiring furnishers to pause negative credit reporting for accounts under accommodation due to COVID-19 hardship.\n\nDuring this time, I experienced financial hardship due to the pandemic and was entitled to protection from adverse credit reporting. Despite this, XXXX XXXX XXXX XXXX reported my account as delinquent and ultimately charged off the account in XXXX XXXX, which violated the law during an active CARES protection window.\n\n2.  Illegal Re-Aging of Charge-Off (FCRA  605(c)  15 U.S.C.  1681c)\nEven more concerning, XXXX XXXX  re-aged the charge-off by continuing to report the account as newly delinquent from XXXX XXXX through XXXX XXXX, falsely making the account appear more recent and more damaging than it actually is.\n\nUnder the FCRA:\n\nThe Date of First Delinquency (DOFD) governs the reporting period for derogatory items. Re-aging the delinquency date or updating the account in a way that misrepresents the original default is strictly prohibited under 15 U.S.C.  1681c(a)(4).\n\XXXX XXXX monthly updates to this charge-off are misleading and suggest ongoing activity where none exists, which illegally extends the damage to my credit score and falsely resets the accounts reporting life cycle.\n\n Requested Resolution:\nI am requesting the following corrective action:\n\nThe negative XXXX XXXX XXXX XXXX charge account be deleted because of its' illegal reporting;\n\nIf the account was reported during CARES Act protection due to hardship, then the entire charge-off entry must be removed as a violation of federal law;\n\nProvide written confirmation and a corrected credit report upon completion of the investigation.\n\nThis inaccurate and unlawful reporting has directly harmed my ability to access credit, housing, and fair financial opportunities.\n\nPlease escalate this complaint and provide a resolution in accordance with the Fair Credit Reporting Act and the CARES Act.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bank with Wells Fargo I deposited a check on XX/XX/year> and was told the full amount would be available the next day XX/XX/year>. The next day they full amount was available when I went to the bank to try to make a withdrawal they pulled the funds back and stated the check came back XXXX. I contacted my attorney and the payer the payer stated the funds were there. I called the bank back and they told me to get proof from the payer. I got proof from the payer and the caller the bank. I spoke with a rep and advise I could send the proof they actually already drafted the funds from the payer. She then informed me that the problem was they tried to contact the payer to verify the check was in fact legitimate as it was a large amount. But they didnt answer and when they got an answer they would release the funds. I contacted the payer the payer expressed he would called then confirmed he called. At that point when I called back the new rep expressed that that didnt suffice and confirmed all of this happened. But I needed to have the payer go into a branch and print their bank statements and have a teller type a letter stating the funds would be paid. I asked to speak to a supervisor or somebody to else she hung up on me. After calling back I was told again that the check wouldnt be released due to the check being XXXX. I told him he was lying as I already got passed that and requested the funds be released. He said hed open a case & somebody would call me to facilitate the funds faster. Nobody called me I called all day the said caseworker was busy and I was repeadly hung up on or told she would call right back. I called again and was told she was gone for the day and so was eveybody of authority

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