vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I lost my debit card and was made aware of it by Bank of America when they texted me that there were suspicious charges on my account. I called them to block the card. They didnt credit me the {$670.00} back until 18 days later and then 12 days later claimed they were taking it back and that I had made the charges of authorized someone to! They were the ones who had alerted me to the activity in the first place and this needs to be resolved.

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 2025-05-12 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:
This morning, I discovered that there are incorrect accounts listed on my credit report, and I don't understand the reason behind it. I routinely check my credit report, but this time I found unexpected discrepancies. I refreshed the browser thinking it might be a temporary glitch, but the inaccurate entries remained. Due to this situation, I kindly request a detailed review of the documents Ive submitted to ensure this problem is resolved permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am going through a mortgage application and noticed there is a debt collection on my Equifax credit report ( the original creditor is XXXX XXXX XXXX. I have never called any services from XXXX XXXX XXXX. It could be someone with the same name but different SSN and address ( My SSN : XXXX, my address : XXXX XXXX XXXX, XXXX XXXX NJ XXXX ). I don't know how Equifax made such mistake and put the WRONG debt collection on my credit report, but this is negatively impacting my credit. The other two credit report companies both had my information accurate ( XXXX as well as XXXX ), so I believe this is only an issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: OR

Complaint narrative:
Received multiple text messages from Halstead Financial starting XX/XX/XXXX through today. 

The texts state they are trying to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX - for which the current creditor is XXXX XXXX XXXX, XXXX ) account. 

I have never heard of XXXX XXXX or XXXX XXXX  When I kept getting texts from them, I did a credit check. I didn't see anything relating to XXXX or XXXX  on my credit report. 

Text from XX/XX/XXXX. 
" Save up to {$290.00} in up to 4 payments towards your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account when you visit https : //portal.halstedfinancial.comXXXX or call XXXX. 

This text is from Halsted Financial, a debt collector. Reply stop to opt-out '' Text from XX/XX/XXXX " Make your payment before your XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account is returned to our client. 

Check out your options at https : //portal.halstedfinancial.comXXXX  or call XXXX. 

This text is from Halsted Financial, a debt collector. Reply stop to opt-out '' Text from XX/XX/XXXX XXXXXXXX XXXX XXXX Fantastic update! You can get {$290.00} off your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 

We'll set you up with 8 biweekly payments of {$9.00} toward your XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account. 

For details, visit https : //portal.halstedfinancial.comXXXX  or call XXXX. 

This text is from Halsted Financial| a debt collector. Reply stop to opt-out '' I got a text this morning ( XX/XX/XXXX at XXXXXXXX XXXX  ). " We see you checked out our payment portal for your XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX, XXXX ) account. 

Remember to login at https : //portal.halstedfinancial.comXXXX  and setup payments! 

This text is from Halsted Financial, a debt collector. Reply stop to opt-out '' I did not check out their payment portal and I did not click any links. I believe this is a scam and want to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-05-12 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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: MD

Complaint narrative:
Recently I have looked at a copy of my credit report and have noticed several inaccuracies on my accounts. These inaccuracies are hurting my credit and ability to obtain my federal student loan for my school. Please investigate the following accounts and verify as accurate. Thank you. 
XXXX XXXX XXXX {$2600.00} XXXX - XXXX {$4400.00}

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-05-12 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has continually reported wrong information on my credit report. They state I opened an account on XX/XX/year> with ca credit card and I notified them over 8 months ago that this was identify theft. I have asked them to stop reporting this to all credit bureaus, they report this inacuuate information 2 times a week to the credit bureaus. I have mailed them information that supports this is not my credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I applied to a frontier airlines credit card through Barclays and was approved on XX/XX/XXXX. After logging into my account for the first time I realized there was not an apartment number on my address so I went to update that. The next time that I went to log in I got a message that my account was locked and to call in to customer service. I immediately called in and was told I would have to call back on another day. I called back the next day and was told that my address needed verifying by faxing in a copy of my Drivers License, SS card, and a piece of mail verifying our address and I would hear back within 7-10 business days. A copy of my drivers license social security card and our change of address form from USPS was paid to fax in on XX/XX/XXXX. After not hearing back and my account being locked out I called in XX/XX/XXXX to check the status. They said the images were to blurry to read and the only forms of mail the can accept are utility bills or other bank statements. I informed them the utilities in my shared apartment are not under my name nor do I have a bank account under my name that is sent to our current apartment. They told me the only way to release the security hold is with that information so I requested to close the account as I can not use it. I was then told the account also could not be closed until the documents that I have no way of obtaining are faxed in. The original fax already cost money and could not be read I do not want to keep sending in additional faxes that are potentially going to be deemed unreadable.

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 2025-05-12 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: TX

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, XXXX  XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted Naviant to ask for the School Misconduct Discharge Application so that I could file against XXXX XXXX for predatory lending and failing to provide the classes to complete my degree. 
They claimed I needed my account number for the form, which I did not remember. 
They stated I could provide personal information in lieu of account number which I did, name, address, phone number. 
They declined I ever had an account with them. 
I asked if the loans were satisfied did that matter and they said they could no longer assist me since I had no account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
In early 2025, I visited XXXX XXXX and XXXX XXXX in XXXX XXXX while shopping for a vehicle. I arrived with a pre-approval from XXXX XXXX and expected only XXXX XXXX to pull my credit. However, both dealerships submitted my information to multiple lenders without my knowledge or clear consent. 

As a result, my credit reports across all three bureaus show numerous hard inquiries between XXXX and XX/XX/year>. These inquiries have significantly impacted my credit scores, despite my efforts to address the issue directly with the dealerships and lenders involved. 

I am requesting the CFPBs assistance in investigating this matter and facilitating the removal of any unauthorized or excessive inquiries from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
In early 2025, I visited XXXX  XXXX and XXXX XXXX in XXXX XXXX while shopping for a vehicle. I arrived with a pre-approval from XXXX XXXX and expected only XXXX XXXX to pull my credit. However, both dealerships submitted my information to multiple lenders without my knowledge or clear consent. 

As a result, my credit reports across all three bureaus show numerous hard inquiries between XXXX and XX/XX/year>. These inquiries have significantly impacted my credit scores, despite my efforts to address the issue directly with the dealerships and lenders involved. 

I am requesting the CFPBs assistance in investigating this matter and facilitating the removal of any unauthorized or excessive inquiries from my credit reports.

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 2025-05-12 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: NV

Complaint narrative:
In early 2025, I visited XXXX  XXXX and XXXX XXXX in XXXX XXXX while shopping for a vehicle. I arrived with a pre-approval from XXXX XXXX and expected only XXXX XXXX to pull my credit. However, both dealerships submitted my information to multiple lenders without my knowledge or clear consent. 

As a result, my credit reports across all three bureaus show numerous hard inquiries between XXXX and XX/XX/year>. These inquiries have significantly impacted my credit scores, despite my efforts to address the issue directly with the dealerships and lenders involved. 

I am requesting the CFPBs assistance in investigating this matter and facilitating the removal of any unauthorized or excessive inquiries from my credit reports.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF FRAUD AND IDENTITY THEFT THE MERCHANT [ XXXX ] IS MAKING FRAUDULENT WITHDRAWALS FROM MY CHASE BANK CHECKING ACCOUNT, ALL OF THESE WITHDRAWALS HAVE ALREADY BEEN MARKED AS FRAUDULENT WITH MY CHASE BANK.

Company response to consumer: Closed with explanation