vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: IL

Complaint narrative:
SST had been calling me constantly. They would call up to 3 times back-to-back to back. 

I asked to be on the do not call list several times and they kept calling me. This is a massive violation and I want action on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XXXX and XXXX, I discovered two fraudulent accounts on my credit reportsone from XXXX XXXX and one from XXXX XXXX XXXX. These accounts were opened without my authorization and tied to identity theft, including the use of a fraudulent address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I properly disputed these accounts, and they were removed. However, in XX/XX/XXXX, both accounts were reinserted on my credit reports without any written notice or legal justification, violating the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when previously deleted information is reinserted, the consumer reporting agency is required to : Notify the consumer in writing within 5 business days of the reinsertion, and Provide the name, address, and phone number of the furnisher who certified the reinsertion. 

I received no such notice, nor any information about the furnishers. These accounts were previously confirmed as fraudulent through an FTC Identity Theft Report and should be permanently blocked under FCRA 1681c-2 ( a ). Their reinsertion has caused ongoing damage to my credit and financial well-being.

2. What laws were violated?

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notification and furnisher identification for any reinsertion of deleted information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be inaccurate.

15 U.S.C. 1681c-2 ( a ) : Grants consumers the right to block identity theft-related information permanently.

15 U.S.C. 1681n and 1681o : Provides remedies for willful or negligent noncompliance with FCRA.

3. What would be a fair resolution? 

Immediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX accounts from all credit reports. 
Written notice explaining the reinsertion and the furnishers name, address, and phone number, as legally required.

Restoration of credit status and score, and removal of any derogatory marks caused by these entries.

Assurance that these accounts will not be re-reported in the future without full FCRA-compliant certification.

Investigation and enforcement action against any bureau or furnisher that violated FCRA reinsertion and identity theft provisions.

If found willful or negligent, appropriate statutory or actual damages under FCRA 1681n or 1681o.

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 2025-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
-In accordance with the Fair credit reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15USC 1682 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any consumer, an item of the inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation : and ( ii ) promptly notify the furnisher of that information has been n-otified or deleted from the file of the consumer My information was given to XXXX XXXX XXXX, XXXX, XXXX whom is not the Original Creditor, The original creditor is XXXX XXXX XXXX XXXX XXXX They never had my permission to give away my information to a 3rd party debt collection company, which is Illegal to report information on my credit report without my permission Law FRCA section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 do not recognize these inquiries, and they appear to be unauthorized and potentially fraudulent. I request swift action to investigate and resolve this issue. Please see the attached documents for clarification.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I have an XXXX XXXX  XXXX XXXX credit card through Bank of America. My account password has been lost and I am unable to reset the password. I have called Bank of America several times to correct this issue and they say they are unable to verify my phone number and this is the only way to access the account. I was told to call back in a week and they would have the phone number verified. I called back several times over a period of XXXX weeks and they are still unable to grant me access to my account. I called today and asked them to give me a payoff amount and close the account if XXXX cant gain access. They refused, saying that since I don't have access to the account XXXX cant even close it. 
I don't want to close this account, I just want access to the online system so that I can monitor my purchases and ensure all purchases are authorized. I feel that this is a reasonable request. If they cant give me access then I need to be able to close this account, it isn't safe to not have access to monitor it. 
The only solution they have recommended is that I fly to XXXX, the closest XXXX location, and verify my identity. I live in XXXX XXXX that is a XXXX hour plane ride and {$500.00} round trip, plus a rental car or XXXX to and from the airport.

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 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint regarding Chases refusal to provide written documentation of an amended credit card settlement agreement, despite multiple good faith requests by phone and secure message. 
On or around XX/XX/year>, I was offered a settlement on my closed Chase credit card account ending in XXXX for {$5000.00}, with XXXX payments due XX/XX/XXXX and XX/XX/XXXX. However, I did not receive the letter until XX/XX/XXXX after the first deadline had already passed. 
Since and before then, I have made numerous attempts to request either ( a ) a reissued settlement letter with revised payment dates, or ( b ) a secure message confirming that the settlement terms remain valid and that I may pay on a revised timeline. Chase representatives have repeatedly confirmed verbally that I have up to XXXX days from XX/XX/XXXX ( i.e., until XX/XX/XXXX ) to complete the payment and that a supervisor submitted an amendment for a single {$5000.00} payment due XX/XX/XXXX. 
Despite these verbal assurances, I have been told that Chase is unable or unwilling to send any written confirmation of these amended terms not even via secure message. I have made multiple phone calls and submitted secure messages documenting my request for basic written confirmation of : * The valid settlement amount ( {$5000.00} ) * The updated payment date ( XX/XX/year> ) * That the account will be considered settled in full upon completion of payment At no point have I disputed the settlement offer itself or failed to communicate in good faith. I have simply asked for written documentation of the terms I am expected to follow. I am ready and willing to pay, but I can not do so responsibly without clear documentation that protects both parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ND

Complaint narrative:
Final Demand for Removal of Inaccurate XXXX XXXX XXXX Account from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, This letter serves as a final written demand for the immediate removal of an inaccurate entry related to an alleged debt from XXXX XXXX XXXX, which continues to appear on my credit report. I have previously disputed this account with your agency and filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), yet the item remains unresolved and inaccurately reported. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, you are required to conduct a reasonable investigation of disputed information and delete any item that can not be verified. To date, your agency has failed to provide verifiable documentation, including but not limited to : A valid contract bearing my signature. 
Proof of legal ownership of the alleged debt by XXXX XXXX XXXX. 
Documentation substantiating the amount claimed to be owed. 
Your continued reporting of this unverified information constitutes a violation of FCRA S 1681i ( a ) ( 1 ) ( A ) and may expose your agency to liability for negligent noncompliance under FCRA S 1681o or willful noncompliance under FCRA S 1681n.

Demand for Action You are hereby directed to delete the XXXX XXXX XXXX account from my credit report within XXXX calendar days of receiving this letter, unless you can provide full validation of the debt as required by law. Validation must include original documentation from the data furnisher ( XXXX XXXX XXXX ) establishing the debts legitimacy, including a signed contract, proof of ownership, and a detailed account statement. 
Notice of Intent Failure to comply within the specified timeframe will result in further action, including but not limited to filing additional complaints with the CFPB and pursuing legal remedies for violations of the FCRA. I reserve the right to seek damages for any harm caused by the continued reporting of inaccurate information. 
Please send written confirmation of the deletion of this account to my address listed above. Additionally, provide an updated copy of my credit report reflecting the correction. 
Thank you for your immediate attention to this matter. I trust you will handle this request promptly to avoid further escalation

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX data breach affected my social security number. This event occurred late XXXX to mid XXXX. The amounts are {$8200.00}, {$13.00}, XXXX, {$3300.00}, {$5200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. As a result, there is a balance due on my credit card for charges I did not authorize. This has also led to late payment reports and accounts being sent to collections, all of which were created and used without my knowledge or consent. I did not open or use these accounts, and I am not responsible for the charges. I am requesting that these fraudulent accounts, balances, and negative marks be investigated and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please correct the late payment on the following account. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please correct the late payment on the following account. 
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 2025-07-15 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: OH

Complaint narrative:
I am writing to dispute a late payment showing on my credit file. I have verified through my own records that this payment was made on time and should not have been reported as delinquent.

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
XX/XX/year>XXXX  I tried speaking with the representative that called me but everything he said was inaccurate from my address to the spelling of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
I am writing to notify TransUnion that I am a victim of identity theft and to formally dispute and request the blocking and deletion of the fraudulent accounts listed below from my credit file. These accounts were opened or reported without my knowledge, authorization, or consent, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Fraudulent Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation