vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute an entry on my XXXX  report that I did not authorize and which is the result of identity theft. The account in question is from : Bank of America, I did not open this account, in addition the address that is connected to this account is an unfamiliar address. I have not lived at or received mail from the address connected to this account. I have never had a banking relationship with Bank of America, and I did not authorize any transactions or applications related to it. This account is fraudulent. 
Under the * * Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ) * *, I am requesting that XXXX  * * block and delete * * this information from my file. I'm also requesting that Bank of America remove my name and social security number from their system as I never gave them authorization to have it. Bank of America can not produce an account agreement with my signature verifying that I personally opened the account in question. I am a victim of identity theft, therefore it is very possible that someone created an account using my some of my information as this has been the case for other account types such as lines of credit and credit cards. This misreporting is preventing me from being able to open up a business, receive compensation from jobs and more as I am not able to open any bank accounts.

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 2025-05-14 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: NV

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was opened in XX/XX/XXXX, settled for less than the full balance, and officially closed on XX/XX/XXXX. While the balance is listed as {$0.00}, my credit report continues to show Settledless than full balance, Closed, and 90119 days late, despite the loan having been resolved. 

The payment history also reflects derogatory activity after the settlement was finalized, with reporting marked No XXXXnfo or Late as late as XXXX XXXXeven though no outstanding balance remained after settlement. 

These inconsistencies appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, which require data to be accurate, complete, and not misleading. XXXX has failed to update the tradeline in a way that reflects the resolution of the account. No supporting documentation was provided to justify continued reporting of delinquency.

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 2025-05-14 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:
In XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX XXXXXXXX ( Account number : XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX  XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX  - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XXXX Creditor : XXXX ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX Mortgage - Opened XX/XX/XXXX ; XXXX XXXXXXXX ( XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX - Credit Card - Opened XX/XX/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 

Also, there are inquiries I do not recognize and appear to be involved with identity theft : XXXX XXXX, inquired on XX/XX/XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX XXXX, inquired XXXX XX/XX/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 2025-05-14 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * XXXX - XX/XX/year> - {$00.00}

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It appears that there are incorrect info reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
No one at XXXX has previously corresponded with this sender. Use caution before clicking on links or replying to the email. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts Resulting from Identity Theft Due to Equifax XXXX XXXX Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify Equifax that XXXX am a victim of identity theft, which I believe is a direct result of the Equifax XXXX XXXX that occurred in 2017. As such, I am requesting that, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), all accounts and related information resulting from this identity theft be blocked and permanently deleted from my credit file. 



This breach has compromised my personal information, and fraudulent accounts have since been opened in my name without my knowledge or authorization. I am exercising my rights under federal law to dispute and remove this inaccurate information from my credit report. 



Enclosed are the following documents to support my request : A copy of my government-issued photo identification ; Proof of my current mailing address ( e.g., utility bill or bank statement ) ; A copy of the police report or Federal Trade Commission Identity Theft Report documenting the identity theft ; A written statement listing the accounts I dispute and request to be blocked and deleted. 




Please investigate and take action to block and delete all fraudulent accounts from my credit report as required by law. I also request written confirmation of the results of your investigation and the actions taken. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a checking account with Chime Bank, in XXXX i filed a XXXX XXXX XXXX which included all my accounts added into the XXXX which at that time all payments was ceased and no longer could be collected. The account that was listed on my credit report was XXXX XXXX which the debt was no longer my debt and was XXXX through XXXX at some time my phone was stolen which had my chime account information and other apps opened on my phone that was stolen not realizing i had no lock on my phone i was able to purchase a new phone didn't realize until XXXX that XXXX was taking money from my account that was no authorized over {$4000.00} and i've disputed with Chime and Chime failed to retrieve my money with a email stating denied so at this time i'm preparing a small claims lawsuit against XXXX XXXX and Chime Bank for unauthorized removing money from my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: DISCOVER BANK
State: TX

Complaint narrative:
I am a long-standing Discover cardholder disputing charges related to a custom manufacturing order from XXXX XXXXXXXX XXXX XXXX The merchant breached our agreement by delivering defective goods, failing to meet both written and verbally promised delivery timelines, and charging unauthorized air freight fees. 

I provided Discover with extensive documentation, including : A written production timeline ( 120 days ) confirmed by the merchant Emails confirming delivery promises and quality guarantees Photographs of widespread product defects Written objections to surprise charges Records of repeated efforts to resolve the matter directly Despite this, Discover denied my disputes, stating that the merchants failure to deliver within the agreed timeframe was not binding. This disregards clear evidence of breach of contract. Furthermore, I was never given access to the evidence the merchant submitted in their defense ; I was told it was sent by mail, but I never received it. This denied me the opportunity to respond and amounts to a failure of due process. 

As a result, Ive been left to absorb the cost of hundreds of defective items, unauthorized charges, and a failed product launch that severely impacted my small business to the tune of thousands of dollars. Discovers resolution process failed to protect me as a customer, ignored critical evidence, and placed the burden entirely on me despite clear merchant misconduct. 

I am requesting a full reconsideration of my disputes and a formal review of how this case was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
Im reaching out because there is information on my credit report that is not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). This is unacceptable. The item in question is inaccurate, and its continued presence on my report is a direct violation of federal guidelines. I take my credit seriously, and I will not allow incorrect information to harm my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid contract or agreement establishing the alleged debt. 3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX Account # 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid contract or agreement establishing the alleged debt. 3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief