vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened accounts with free checking and savings, then the accounts were frozen and under duress I was made to change accounts that had fees. When asked why they said they no longer offered these accounts, I thought I was grandfathered in, due to the length of time as a customer. Then I discovered they offer free checking and savings with certain balance requirements, this is discrimination against people with financial hardship, which are the people who need it most.

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 monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute the following information on my credit report as it is the result of fraud/identity theft : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] This account does not belong to me. I did not open it, authorize it, or receive any benefit from it. I am a victim of identity theft, and this fraudulent debt should not appear on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the right to request that fraudulent accounts and related information be blocked from my credit report. 

Enclosed are copies of documents supporting my claim here in the police report. 

Please investigate this matter and remove the fraudulent account from my credit report immediately. 

I request written confirmation once this account has been deleted.

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 2025-09-21 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I requested for the loan information and promissory notes as I did not apply for many of these loans due to the pressure of the financial aid office at XXXX XXXX XXXX XXXX XXXX XXXX  to accept these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-21 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: WA

Complaint narrative:
Fraudulent inquiry appeared on my credit reports due to identity theft. I have never authorized these inquiry and was not aware of them until reviewing my credit file. The unauthorized inquiry is : XXXX XX/XX/year>

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Inaccurate COLLECTION Account on My Credit Report. 
I am writing to formally dispute an inaccurate item that appears on my credit report. I recently obtained a copy of my credit report from your bureau and noticed that an account is marked as " COLLECTION, '' which I believe to be incorrect and potentially damaging to my credit profile. 

. 1. XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXXXXXX XXXX 5.XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that this account be investigated and removed if it can not be verified. 


According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days of receipt. Please notify me in writing of the outcome of your investigation. 

Thank you for your prompt attention to this matter. 

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 2025-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The original charge off for this account was in XXXX. The collection came off my report earlier this year in XXXX because of the age. The National Credit Adjusters reported the collection with new age timeline that does not show original timeline from XXXX only starting in XXXX and reported to my credit twice this month causing significant drop in my score. I disputed through XXXX XXXX XXXX  and was able to remove from there but XXXX will not remove due to new report by credit collection agency made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Hi, I am reaching out in regards to a blemish on my credit report. ALLY FINANCIAL reported that I am 60+ days late but the account has been paid in full and closed. My account with ally was for a leased vehicle that was returned on time. there was additional charges bc of mileage on the vehicle that ally financial and myself came to terms and agreement on payments. I honored those payments in the allotted time period. I do not understand why it would be reported as such. if you could please help me. I pride myself on perfect on time payments as you can see in my history. I do not deserve this blemish. Please help in anyway. 
Ally financial number is XXXX My acct number with ally at the time before acct closing was XXXX Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am disputing an inaccurate collection account reported by Caine & Weiner on my XXXX credit report. 

Collection Agency : Caine & Weiner Balance : {$940.00} Original Creditor : Progressive XXXX Date Opened : XX/XX/year> Status : Collection / Unpaid This account is inaccurate and unverifiable. No original billing statements or signed agreements have been provided to substantiate this debt. The balance appears inflated, and the reporting is harming my credit profile without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-09-21 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: AR

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
I am disputing a collection account reported by Carter-Young Inc on my XXXX  credit report.

Collection Agency : Carter-Young Inc Balance : {$1700.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2021 Status : Collection / Unpaid This account is reporting without proper validation. No original lease documents or itemized billing have been provided to prove the accuracy of this debt. The reporting is incomplete and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting an incorrect credit score and it is inhibiting my ability to gain new credit. An invalid collection account was removed off of my credit on XX/XX/XXXX, XXXX however Equifax is continuing to factor this collection account into my score even though it has been removed from my report- this non-existent collection has been factoring into my score since XX/XX/year>. You can see that my score dropped XXXX points on XX/XX/XXXX without any changes to my report other than an account balance decreasing. Equifax needs to correct this issue ASAP so it can accurately in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
I opened this account in XXXX, XXXX. It started off at a lower, more manageable amount. The credit line was quickly raised and I had expenses that I used this account for. I spoke with XXXX of the representatives about changing my due date because it fell right before my social security was deposited. He was very nice and made the arrangements. 
However, in the past few months, the payments and charges are exhorbitant! Last month the payment of {$660.00} was taken automatically, which I did not authorize. I always pay it myself. I found that that payment was taken on my debit card, which was also surprised me. 
My social security is {$1600.00} per month. 
After the payment, they sent me a notice that I had {$95.00} available, which I did not use. I thought the payment would be lower this month, but was shocked to see that it's higher ... {$670.00}. Even though I did not use this account, and after the payment of {$660.00} was taken, the balance is higher. 
The balance for last month was {$3600.00} minus {$660.00}. Shows a cash advance for {$50.00}, but I did not take XXXX. The balance of this month is now {$3600.00}, after the {$660.00} payment. How can this be legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Opened the chase business complete checking account on XXXX with {$750.00} bonus if deposit {$20000.00}. But on XXXX it only provide {$500.00} if deposit {$10000.00}. Called Chase to create a ticket to investigate the issue but the cutomer service refuse to do so. End up with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I have contacted teletrack numerous amounts of times about these fraud accounts. These accounts are reporting fraudulently and I did not authorize this to report to my consumer report. Pursuant 15 usc 1681 I did not give written consent for these accounts to report to my consumer report! They have failed to investigate my disputes and now it is hindering my life because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally document and escalate a long-standing issue regarding my XXXX loan, originally obtained from my mortgage company on XX/XX/XXXX, in the amount of {$63000.00}. 
Payment History & Transfer of Servicing : My first payment of {$550.00} was due on XX/XX/XXXX, and was made accordingly. 
I made a second payment on XX/XX/XXXX, intended for the XXXX installment. 
Effective XX/XX/XXXX, the servicing of my loan was transferred to XXXX XXXX XXXX. 
Upon the transfer, I attempted to make my XXXX and XXXX payments but was consistently informed by XXXX representatives that no payment was due and that prior payments were not reflected in their system. 
Dispute Initiation : On XX/XX/XXXX, I received a statement from XXXX showing a balance of {$2300.00}, which included charges for the XXXX and XXXX payments I had already made. 
I disputed the statement immediately. 
A response to my dispute was provided on XX/XX/XXXX, and the matter was referred to XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX : In XX/XX/XXXX, I spoke with XXXX, who confirmed he had obtained documentation verifying that the XXXX and XXXX payments were made, and that the loan balance needed to be adjusted. 
Despite multiple follow-ups, I received no further response or resolution. 
In XX/XX/XXXX, I was informed by XXXX XXXX that the issue could only be resolved by submitting a letter to the presidential escalation department. 
Continued Delays : I submitted this letter on XX/XX/XXXX, and received acknowledgment on XX/XX/XXXX, confirming that the loan had been onboarded incorrectly and requesting 30 days to correct the issue. 
After waiting over 90 days, I received no response despite leaving multiple voicemails. 
On XX/XX/XXXX, I sent another letter reiterating my concerns, which was acknowledged on XX/XX/XXXX. 
Since then, I have made multiple calls weekly, requesting updates. Each time, I was assured of a callback that never occurred. 
My most recent calls were on XX/XX/XXXX and XXXX, XXXX, with no follow-up provided despite promises. 
Final Remarks : I have exercised patience and professionalism throughout this process. However, it has now been nearly a year since this issue began, and despite providing all necessary documentation both from myself and the original servicer no resolution has been reached. 
I have attached supporting documentation that confirms the accuracy of every claim made herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
I have XXXX  numerous amounts of times about these fraud accounts. These accounts are reporting fraudulently and I did not authorize this to report to my consumer report. Pursuant 15 usc 1681 I did not give written consent for these accounts to report to my consumer report! They have failed to investigate my disputes and now it is hindering my life because of the inaccuracies.

Company response to consumer: Closed with explanation