vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I had a bank account with Bank of America they put me in the check system saying that I owe them XXXX and I do not own them any money money was being debited out of my bank from a unknown source they said the investigation came that someone was stilling my money I canceled my debit card they sent me another and as soon as I registered my new card they sent me the transaction started again so I canceled that card so they felt like I owned them and now I can not open a account with another bank because of there neglect to there customer they are a very sorry bank they want give u a loan or give you a credit card I bank with them for 5 years I had a business account with them also I dont own them anymore and someone stole money from my account threw XXXX so they need re think there policy with there customer and they are never at fault

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal XXXX XXXX account that was fraudulently opened in my name, as well as several unauthorized XXXX inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent XXXX  inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and XXXX inquiries as outlined above from my credit file. 
Sincerely, 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 2025-06-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal XXXX XXXX account that was fraudulently opened in my name, as well as several unauthorized XXXX inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent XXXX  inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and XXXX inquiries as outlined above from my credit file. 
Sincerely, 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 2025-06-13 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within XXXX  days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: NM

Complaint narrative:
Denied extension of credit. See attached public law. XXXX XXXX act.FEDERALLY RECOGNIZED XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I have previously filed complaints against TransUnion. 
TransUnion doesn't have my credit listed correctly. 

XXXX TransUnion is showing all of my XXXX XXXX loans as derogatory and having a {$0.00} balance and Chapter XXXX Bankruptcy. I have contacted XXXX XXXX XXXX times this week to review the status and I was told that the account is open and in deferment. 

I want to receive a copy of the information that TransUnion has received to list my loans on my credit as being derogatory, {$0.00} balance and Chapter XXXX Bankruptcy. Please provide this to me immediately. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
We accepted free trial from XXXX for internet services XX/XX/XXXX, trial period was said to be 60 days free and no charge if you decide not to continue. We received the router tried it for 2 days, unplugged due to awful connection and the company could not help us fix the issue we let them know we no longer want this trial and would like to return the router. They sent a box the next week and we made sure to send it out that week XX/XX/XXXX at XXXX with XXXX. They received the package XX/XX/XXXX XXXX XXXX  Indiana we then called to follow up several times through the rest of the month of XXXX, because they sent a bill for {$320.00} and tried charging our account. call after call they couldnt find that they had received it. Finally we got one person who confirmed it was received, she confirmed she took care of the charges to get them resolved. A month later talking to several people and managers, one manager said he would talk to corporate to get it resolved he was so sorry for the trouble. We never got confirmation of the fix and now were looking for a house and its affecting my credit, we have called several times again trying to resolve the problem but both XXXX and the MRSBPO collections agency can not seem to help us directing back and forth between the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened this credit card account XXXX XXXX after utilizing the card it was paid in full. The account was closed on XXXX XXXX I never requested closure of the account, and I was not informed on why it was closed. I believe it may have been wrongfully closed by creditor. I contacted creditor in XXXX  after the account closed I requested the account to be removed from my credit report. Unfortunately the account still appears today despite what I was told by the representative. The company violated the Fair Credit Reporting Act and potential unfair practices under the Consumer Protection Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have nelnet. I noticed that they lowered my monthly payment from {$93.00} to {$67.00}. However, my loans are accruing {$200.00} more dollars in interest each month. I'm basically spinning my wheels because my payment of $ XXXX {$120.00} a month goes to what? neither the interest or the principal. The interest accrued for this past month was over {$800.00}. I'm never going to make a dent in these loans. I took out loans because I came from a poor family & that was the only way I was going to go to school. Now I'm finished with school & I'm trying to get these paid but I feel like I'm just burning my money. The only other payment plans they offer are more a month which isn't helpful because I can't afford it. Thank you for reading my message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX/XXXX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized companies have accessed my credit report, damaging my credit and score. Despite assurances from your representative that these inquiries would be removed, they remain. This raises serious concerns about identity theft and continues to cause undue stress and financial harm. Immediate action is required.

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 2025-06-13 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 605B ( 15 U.S.C.

1681c-2 ) 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 : XXXXXXXX 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/year>, Balance : {$830.00}

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am requesting the following actions be taken : A reinvestigation into the listing of the XXXX. 
Written verification of the XXXX  details from the reporting agency, including source documentation. 
Removal of the XXXX  if it can not be verified, or if it has surpassed the 10-year reporting limit as outlined by the FCRA ( 15 U.S. Code 1681c ( a ) ( 1 ) ).

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting the following actions be taken : A reinvestigation into the listing of the XXXX. 
Written verification of the XXXX  details from the reporting agency, including source documentation. 
Removal of the XXXX  if it can not be verified, or if it has surpassed the XXXX reporting limit as outlined by the FCRA ( 15 U.S. Code 1681c ( a ) ( 1 ) ).

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 2025-06-14 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: NJ

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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2025-06-13 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: FL

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization. I have never opened, authorized, or managed these accounts, and their presence on my credit report is both inaccurate and deeply misleading. This situation is completely unacceptable, as it misrepresents my financial history and raises serious concerns about potential identity theft or reporting errors. 
I take the integrity of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply troubling. I am requesting immediate clarification regarding how and why these accounts were added to my report, as well as who is responsible for reporting them.

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 2025-06-14 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: TX

Complaint narrative:
I am writing to urgently bring to your attention a serious and unacceptable error that I have discovered on my credit report, which is currently impacting both my financial standing and peace of mind. After reviewing my credit file, I have identified information that is not only inaccurate but also does not reflect my actual financial history or behavior. I am formally requesting an immediate investigation and full correction of this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Equifax is currently reporting several derogatory tradelines on my credit report that I believe are inaccurate, incomplete, and not properly verified, including entries from XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) listed as a charge-off dated XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) also listed as a charge-off dated XX/XX/XXXX with a balance of {$270.00}, and XXXX XXXX XXXX ( XXXX XXXX XXXX * * ) shown as a collection account dated XX/XX/XXXX with a balance of {$660.00}. These accounts are being reported with derogatory status designations that continue to negatively affect my credit file and overall financial standing. 

I have previously submitted disputes to Equifax regarding the accuracy and legitimacy of these accounts. However, to date, Equifax has failed to produce any concrete documentation from the original creditors or collection agencies to validate the debt, including but not limited to : original contracts bearing my signature, complete payment histories, charge-off notices, or statements showing how the balances were calculated. The responses I have received suggest that these accounts were merely verified through automated systems rather than a meaningful reinvestigation involving the actual furnishers of the data.

This practice directly violates 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and delete or correct any item that is found to be inaccurate or unverifiable. Furthermore, 15 U.S.C. 1681e ( b ) mandates that Equifax must maintain procedures to ensure the maximum possible accuracy of information in consumer reports. Continuing to report derogatory accounts without furnishing proof or documentation fails that legal standard.

These entries are not minor clerical issuesthey carry real-world harm. I have experienced denials of credit, increased interest rates, and reputational damage due to this unresolved, disputed reporting. Equifaxs ongoing failure to conduct a lawful and transparent review of these items, despite prior disputes, reflects systemic noncompliance and negligence in maintaining accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief