vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint against Bank of America for failing to resolve two unauthorized transaction disputes ( {$2300.00} and {$940.00} ) despite providing full documentation. Additionally, my credit card was restricted due to unusual activity, but customer service failed to assist me after a 10+ minute hold with no estimated wait time. Bank of Americas lack of resolution, poor communication, and unacceptable service have caused significant financial and personal stress. I request the CFPBs assistance in securing a prompt and fair resolution.

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 2025-07-14 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}, XXXX XXXX XXXX Balance {$280.00}, XXXX XXXX XXXX Balance {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}, XXXX XXXX XXXX Balance {$280.00}, XXXX XXXX XXXX Balance {$2900.00}

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
I called Discover credit card company as I had court orders for ex wife to maintain credit card until divorce was finalized. Divorce was finalized XX/XX/year>. On my credit report it shows ex wife missed XXXX, XXXX, XXXX, XXXX, XXXX. Missed payments. I explained I have court ordered papers showing why it should be removed. Upon calling credit companies such as XXXX XXXX etc I was advised to call Discover again as they are the company reporting this information. I did. And again because ex wife removed me in XXXX they are not allowed to discuss account information with me. I told them again if I was removed in XXXX explained XXXX and XXXX showing on my credit report. Or atleast removing the information before I was taken off the account. XXXX  has settled the dispute. XXXX  needs information from Discover and if they are refusing to give me a person who was on the account this much grief I can only imagine what they will tell XXXX  I wish to pursue legal action just trying to find the right steps to take

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Central Research Inc
State: IL

Complaint narrative:
Accounts opened XX/XX/year> and accounts for dates not provided in 6 different amounts, {$1300.00}, {$2200.00}, {$870.00}, {$3000.00}, {$2200.00}, and {$1500.00}. 

I requested proof in the form of signed documents for these accounts of which I have no knowledge, since I never applied for these loans, via letter to Central Research Inc. on XX/XX/year>. These loans have appeared on all of my credit accounts and should be removed. 

I first went directly to XXXX  to dispute these charges and they said that Central Research indicated that the information I disputed has been verified as accurate. Unfortunately for me, if the information is accurate than my information has been accessed by an unauthorized party per notice of data breach by XXXX per letter of XXXX XXXX and/or other data breaches. 
I have since received notice from the XXXX XXXX XXXX on XX/XX/year> that I was required to complete federal student loan exit counseling ; for services never used!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I purchased eye glasses in XXXX shortly before we came home last XXXX. They were not made properly as per my XXXX XXXX. BofA totally gave me the run around and refused to support me for bogus reasons. When I contacted them to protest they transfered me repeatedly, left me on hold for a total of close to 2 hours, sent me to the wrong department multiple times. I cut up my cards and returned them explaining above and have heard nothing.

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 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Dave Operating, LLC
State: MA

Complaint narrative:
I have attempted multiple times to cancel my account and revoke XXXX XXXX access to my bank account. Despite disconnecting my bank account via XXXX, revoking authorization under the Electronic Fund Transfer Act ( XXXX ), and contacting XXXX support team directly, the company has continued to attempt unauthorized debits from my account. 

I also requested to cancel my XXXX membership and stop all charges, but they are refusing to comply or assist. 

I notified my financial institution and blocked all future charges from XXXX, but I am concerned they may still attempt to process payments through other means. 

XXXX is ignoring my right to revoke authorization under Regulation XXXX, and I believe they are engaging in unfair and deceptive practices by continuing to pursue payment after access was revoked. 

I am requesting that the CFPB step in to help ensure : My account is closed All charges are stopped permanently No further payment attempts are made This company is refusing to honor my revocation of XXXX and account access, and is making it nearly impossible to fully disconnect from their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, 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 2025-07-14 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: IN

Complaint narrative:
I am requesting an immediate re-investigation into several unauthorized credit inquiries on my report. These were made without my consent and have negatively impacted my credit score.

Although I was previously assured they would be removed, they remain. This inaction raises serious concerns regarding potential identity theft.

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 2025-07-14 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am the administrator of my deceased aunts estate. Her home has been in escrow once, but fell out of escrow due to buyers failure. During the escrow process, it was discovered the mobile home and land were paid for in XXXX through ARCS mortgage which was taken over by PNC bank in XXXX. The reconveyance was issued for the land but not the mobile home. This means we can not sell the mobile home until we have the reconveyance for both the mobile home and the property. I have contacted PNC bank numerous times, including the CEO of the bank, XXXX XXXX. XXXX. The collateral research person, XXXX XXXX at XXXX, who replied to my inquiry said she can not find the loan documents and has apparently just dropped the issue since I have not heard from her. XXXX XXXX forwarded my email to XXXX XXXX, Office of the Customer AVP phone XXXX called me on Friday XX/XX/XXXX at XXXXXXXX XXXX, my time and I returned her call 2 minutes later, I also called twice today, XX/XX/XXXX and have had no response. 
The address of the property is XXXX XXXX XXXX, XXXX XXXX, CA The owners in XXXX were my uncle, XXXX XXXX XXXX ( deceased in XXXX ) and my aunt, XXXX XXXX XXXX XXXX ( deceased in XXXX ) I have spent over a month trying to find someone that will help get this loan reconveyance and don't know where else to go. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
First, let me be clear, I previously submitted documentation of both medical hardship and relocation to XXXX at the time I canceled the membership. Why I continued to be billed afterward is beyond logic and frankly feels like willful ignorance. Im not about to resubmit personal medical documentation to a third-party collection agency that has absolutely no right to request it under XXXX regulations XXXX Nor will I justify my life-threatening health emergencies to strangers years after the fact. How exactly do you expect someone recovering from multiple strokes and brain surgeries to jump through hoops to prove anything while literally fighting to stay alive? The audacity is wild. 

Second, your assumption that my nonpayment equates to voluntary continuation of service is ridiculous. A missed payment during a medical crisis is not consent. Period. Especially when the business is no longer in operation. Reporting an account years later with zero context or updated information only reinforces how predatory and baseless this collection effort is.

Third, lets use a little common sense. Who in their right mind racks up almost {$700.00} in gym charges and just shrugs it off? Your clients business model clearly relied on disorganized membership practices, poor communication, and inadequate staff training. The burden of their failure to properly cancel my membership should not fall on me. The business is now closed! That is not my fault. It is also not my job to correct the mistakes of the people XXXX hired to manage memberships nor the ones now handling collections, who seem to be making the same careless errors. The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) both prohibit the continued reporting or collection of a debt that is not properly validated, especially when the consumer has previously disputed its accuracy. 

Lastly, implying I didnt want to correspond is laughable considering your aggressive and bad-faith communication style. If your approach to resolution is passive-aggressive accusations and ignoring prior cancellations, then yes I chose not to engage!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, After receiving an alert from my identity theft protection service, it was verified that my personal information has been stolen. As a result, I am now seeing fraudulent accounts on my credit report. This is not my fault, and I need these accounts removed immediately because I have been denied credit because of it. They listed XXXX  and one other credit bureau as reasons for the theft.

These are the things I found that should not be on my file. This account is associated with the same retailer and also has suspicious similarities.

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 2025-07-14 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: The CBE Group, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, After receiving an alert from my identity theft protection service, it was verified that my personal information has been stolen. As a result, I am now seeing fraudulent accounts on my credit report. This is not my fault, and I need these accounts removed immediately because I have been denied credit because of it. They listed XXXX  and one other credit bureau as reasons for the theft.

These are the things I found that should not be on my file. This account is associated with the same retailer and also has suspicious similarities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened or managed these accounts, and their presence on my credit report is both inaccurate and misleading.

This misreporting is unacceptable and raises serious concerns regarding the integrity of my financial profile. I take my credit history seriously, and these unauthorized accounts are causing undue harm.

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