vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Reached out to a XXXX marketplace seller to lease a home for my summer internship in XXXX Florida. Spoke with the landlord toured the house and then applied for a lease. Once I was approved I signed a lease and put down a safety deposit and first month rent. I then was given a receipt of the payment by the landlord. Once I arrived at the property it turned out that the house was already leased by a different couple, and the landlord who was supposed to lease the place did not own the house. So I was given a fraudulent lease. Safety deposite was made the XXXX of XXXX for XXXX and first months rent was XXXX and through XXXX XXXX. I bank with Bank of America, I have also already filed a police report with the XXXX police department about this incident.

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 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am filing a formal complaint against Receivables Management Corporation for what appears to be deceptive and misleading debt collection practices, potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and South Carolina consumer protection laws. 

The agency sent me a letter dated XX/XX/XXXX, stating Final Notice. Your account may be placed with our collection agency if payment is not received within XXXX business days. The letter has the original creditors name and address on it. However, this account was already placed in collections over a year ago. This falsely suggests a current event or pending action, misrepresenting the debts status and timeline. 

I contacted the original creditor, who stated they were unaware of this letter and expressed confusion over its contents and timing. I recorded this phone call for my records. The collection agency later claimed the letter was simply a recreation of a final notice from XX/XX/XXXX but the new version contains no such explanation or disclaimer. It was presented as a live and current demand from the original creditor, which is misleading and potentially fraudulent. 

This raises serious concerns that : The agency is misrepresenting the nature and timing of the debt The agency may be using documents falsely attributed to the original creditor There has been deceptive communication intended to pressure payment. 

I am requesting a full investigation into the legality of the communications and whether this constitutes a violation of federal or state consumer protection laws. I am also requesting that the agency be barred from further collection activity unless and until they fully validate the debt and clarify the discrepancies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
b"This is my second request through CFPB to have this issue resolved.  I have made multiple attempts directly through Equifax, and I am not getting resolution nor consistent answers.\n\nI have 2 derogatory accounts reporting that have a date a of first delinquency XXXX XXXX XXXX XXXX respectively, but Equifax has changed the dates of first delinquency to XXXX and they continue to report these negative accounts.  This is a willful violation of the FCRA.\n\nMy last call to Equifax wasXX/XX/XXXX, I spoke with customer service, a supervisor and then a member of the XXXX  department.  The XXXX  representative told me that she was able to see that the account should have been coded under XXXX, and should not have been redated XX/XX/XXXX, and that it would take two steps, but that the issue would be resolved and the accounts would be removed.  \n\nI continued to track through Equifax, and a dispute was completed XX/XX/XXXX, but the item was not updated.  Since I was informed it would be a 2-step process, I gave the benefit of the doubt and gave additional time for completion.\n\nI have continued to check with Equifax, but nothing had been changed.  On XX/XX/XXXX, I uploaded a copy of myXX/XX/XXXXfiling, with proof of the accounts being included.  TheXX/XX/XXXXwas filedXX/XX/XXXX The XXXX  representative had this information, but I wanted to make sure there was no question.\n\nToday I received notice that my original CFPB complaint was closed.  Equifax did not make any changes.  They continue to declare that they are reporting the information that the creditor provided.  Equifax has a copy of the XXXX  filing with the accounts listed, which supersedes any information provided by the creditor.  \n\nThe two Conns accounts were filed in a XXXX XXXXXX/XX/XXXX so the date of first delinquency could not possibly be XX/XX/XXXX.  Although the dates of first delinquency were a year prior, the bankruptcy filing is irrefutable proof that the dates listed on my report are incorrect.\n\nEquifax's own reporting is contradicts itself.  Under the payment history, it reports that the account was 150 days lateXX/XX/XXXX, but then reports the date of first delinquency asXX/XX/XXXX\n\nI am at a loss, this is not difficult to understand.  Equifax is the only credit bureau reporting these accounts.  Reporting this inaccurate information is causing me harm and I need to have this corrected."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit score is being hampered by hard credit checks I've had nothing to do with. My credit history is clean with no late or missing payments. 

Why am I being penalized ( with a low credit score ) for something I've had nothing to do with?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An email from XXXX XXXX was sent to me on XXXX XXXX XXXX XXXX in regards to a debt. Original debt was to Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). After reviewing my Experian credit report, I identified two hard inquiries made by XXXX on XX/XX/year> and XX/XX/year> that I did not authorize or initiate. 

These inquiries were made without my written consent or knowledge, violating my rights under : 15 U.S.C. 1681b A credit report can not be accessed without written instructions from the consumer.

15 U.S.C. 1681s-2 ( a ) Prohibits reporting of inaccurate or unauthorized information.

I never applied for credit with XXXX, nor did I authorize them to access my credit file. I request an immediate investigation and removal of both unauthorized inquiries from my Experian credit report

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 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX  Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX Balance : {$2200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$930.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$8100.00}

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 non-monetary relief
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I am formally challenging the reporting practices of all data furnishers and repositories involved in the handling of my credit file. I demand that you provide physical documentation proving your full compliance with federal and state laws, including the most recent CDIA Metro 2 reporting standards as outlined in the current Credit Reporting Resource Guide ( CRRG ).

Any deviation from these standardsintentional or notcompromises the accuracy and legality of your reporting. The law requires maximum possible accuracy and strict adherence to Metro 2 format. Non-compliant data reporting is unacceptable under any circumstance. 

Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX I have not validated, approved, or received proper documentation for the reporting of these accounts. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that only factually verified, lawful, and fully compliant data appear on my credit file. I also demand a full investigation into the origin of each item and proof that each creditor had a legitimate, permissible purpose for their inquiries. 

Please take this notice seriously. The continued reporting of unverifiable or fraudulent data may be considered a form of harassment, coercion, or attempted extortion. I will not hesitate to pursue legal remedies. 

You are legally required to certify that your reporting is truthful, accurate, complete, and timely. Anything less is a direct violation of my consumer rights and civil protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX 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 2025-06-16 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXXc-2 ) that you, the XXXX XXXX XXXX XXXX XXXXXXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXXXXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Company which is " Citi Bank US NA the Advantage Card " said they did not receive my monthly payments for the use of the card this was back in 2019. So in XXXX of 2019 after receiving a bill for {$1200.00}, I sent a payment in the amount of {$1000.00} with {$280.00} left over and in XXXX of 2019 I sent another {$500.00} to clear up the remaining. I didn't care if there was a credit on the card my intent was to close the card. Still no acknowledgement of them receiving these payments, no update showing balance paid, nothing. I don't owe them anything it has been paid yet the amount reflected on my credit reports shows no payments made. I have proof of my payments and letters that I have sent to them showing the copies of the checks. This company has been a major stressor for me. I would like it removed from my credit report seeing that we are at the 6 year mark.

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 2025-06-16 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: SC

Complaint narrative:
I am writing in response to a recent credit report that lists alleged debts and personal information associated with me. I have not received any valid documentation or physical evidence to support these claims. Therefore, I demand that you immediately dismiss all unverifiable claims and DELETE any negative or injurious reporting from my credit profile. 

If the items listed are not fully supported by verifiable, original, and certified proof including evidence of accuracy, completeness, ownership, and Metro 2 compliance you must demonstrate your lawful authority to report or collect on these accounts. You have no right to take any further action that threatens my financial standing or creditworthiness. 

If you can not fully comply within 20 days of receiving this formal notice, you are expected to permanently cease all negative reporting and collection activities related to these unverifiable claims. Without legal authority or a signed agreement between us, you can not compel me to do business with you, and I will consider any further attempts as willful harassment or extortion, which may be criminally actionable. 

Correct the following immediately : Collections Being Challenged : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm in writing that you have received this letter and outline the actions taken to DELETE all inaccurate, unverifiable, or unauthorized entries. Failure to do so will leave me no choice but to pursue further action to protect my rights under the FCRA and all applicable consumer laws

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 2025-06-16 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: SC

Complaint narrative:
I am writing in response to a recent credit report that lists alleged debts and personal information associated with me. I have not received any valid documentation or physical evidence to support these claims. Therefore, I demand that you immediately dismiss all unverifiable claims and DELETE any negative or injurious reporting from my credit profile. 

If the items listed are not fully supported by verifiable, original, and certified proof including evidence of accuracy, completeness, ownership, and Metro 2 compliance you must demonstrate your lawful authority to report or collect on these accounts. You have no right to take any further action that threatens my financial standing or creditworthiness. 

If you can not fully comply within 20 days of receiving this formal notice, you are expected to permanently cease all negative reporting and collection activities related to these unverifiable claims. Without legal authority or a signed agreement between us, you can not compel me to do business with you, and I will consider any further attempts as willful harassment or extortion, which may be criminally actionable. 

Correct the following immediately : Collections Being Challenged : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm in writing that you have received this letter and outline the actions taken to DELETE all inaccurate, unverifiable, or unauthorized entries. Failure to do so will leave me no choice but to pursue further action to protect my rights under the FCRA and all applicable consumer laws

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