vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Im filing a complaint about Bank of America regarding unauthorized electronic debits totaling over {$16000.00} posted XXXX XXXX XXXX XXXX. I reported the transactions and BofA denied my claim, stating some charges were over 60 days old and that certain activity matched a phone number on my account. 

I did not authorize these transfers. I received no fraud alerts, and there is repeated vendor activity consistent with ongoing fraud. I promptly escalated and provided details and statements.

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 2025-11-12 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: SC

Complaint narrative:
This CRA is reporting fraudulent accounts on their consumer report versions of me. These accounts include XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I did not open these accounts. They were created after my identity was compromised and after unauthorized individuals gained access to our financial and personal information. These accounts appeared only after the hacking incidents and documented misuse of our shared data. My husband ( XXXX  ) and I are confirmed co victims of a multi-state level identity theft scheme. Unknown individuals accessed our financial accounts, added themselves to insurance and medical profiles, and opened credit accounts in our names. An XXXX  XXXX  was added to our XXXX  account with a power of attorney document. This forged document gives them unlawful access to our personal and financial information. This enabled them to impersonate us, pass identity verification checks, and open accounts without our knowledge or consent. Law enforcement is actively investigating the individuals involved, and warrants are awaiting signatures ( as of today XX/XX/year> per XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The evidence that I am not responsible for these accounts is simply overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Early Warning Services, LLC
State: SC

Complaint narrative:
This CRA is reporting fraudulent accounts on their consumer report versions of me. These accounts include XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I did not open these accounts. They were created after my identity was compromised and after unauthorized individuals gained access to our financial and personal information. These accounts appeared only after the hacking incidents and documented misuse of our shared data. My husband ( XXXX ) and I are confirmed co victims of a multi-state level identity theft scheme. Unknown individuals accessed our financial accounts, added themselves to insurance and medical profiles, and opened credit accounts in our names. An XXXX  XXXX  was added to our XXXX  account with a power of attorney document. This forged document gives them unlawful access to our personal and financial information. This enabled them to impersonate us, pass identity verification checks, and open accounts without our knowledge or consent. Law enforcement is actively investigating the individuals involved, and warrants are awaiting signatures ( as of today XX/XX/year> per XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The evidence that I am not responsible for these accounts is simply overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am writing in response to your [ letter/phone call ] dated [ insert date ], in which you claim that I owe a debt to your company. I am requesting that you validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. The amount of the debt. 


XXXX. The name of the creditor to whom the debt is owed. 


XXXX. A copy of the original contract or agreement that establishes my responsibility for the debt, or other evidence of my obligation. 


XXXX. The date of the original debt and the date it was assigned to your company ( if applicable ). 


XXXX. Proof that you are authorized to collect this debt on behalf of the creditor, including a statement of assignment or other documentation. 


XXXX. A detailed breakdown of any additional fees, interest, or charges that have been added to the principal amount. 

XXXX. Proof these debt was not written off in a trust Please be advised that, under the FDCPA, you must cease collection activities until this debt has been validated. I would appreciate a response within XXXX  days of receiving this letter. 

If you can not provide the requested documentation or validation of this debt, I kindly ask that you cease further collection efforts and remove any negative reports related to this debt from my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing inaccurate information that this company reported on my credit report. The company listed an account with incorrect details, including the date it was opened and the address/location associated with the account. Initially, a representative insisted the information was correct, even after I provided evidence proving it was inaccurate. After I submitted proof of the correct account date and location, the representative acknowledged the error. My dispute has since been escalated to the companys dispute department, but I am concerned about potential violations of my rights under the Fair Credit Reporting Act. 

Information Requested from the Company : I requested the company provide verification of the account, including : The date the account was opened The location/address associated with the account The original creditor The current balance I also requested written documentation supporting the accuracy of their reporting, as I have evidence that certain information they reported is incorrect. 
XXXX XXXX : I request that the company : Correct the inaccurate information on my credit report. 
Ensure all reporting is accurate with all relevant credit bureaus. 
Provide written confirmation once the dispute is resolved. 
Additional Information : I have saved all correspondence, call notes, and documents proving the inaccuracies. I am prepared to provide this evidence to support my dispute. I want the CFPB to investigate this matter to ensure the company follows federal law and does not continue reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Contacted PHH mortgage on XX/XX/year> to drop pmi. Said they would send information and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: ID

Complaint narrative:
These accounts are not associated with me ; delete them within 15 days according to USC 1681g.

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 2025-11-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit report. I respectfully request that the accounts listed below be reviewed for inaccuracies and corrected accordingly. These accounts are in dispute as they do not accurately reflect the true status of my credit history. The details of the disputed accounts are as follows : Charged Off Account ( s ) : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : 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 2025-11-12 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-12 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: VA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX, Account # : XXXX, Reported Charged Off on XX/XX/year>, Balance : {$0.00} Issue : This account is being reported as charged off with a zero balance, which may indicate it was paid or settled. I am requesting verification of the charge-off status and the current balance. If this account was paid, settled, or transferred, please update the reporting accordingly. 

Late Payment Accounts XXXX XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX SELF/SSTATBK, Account # : XXXX Issue : These accounts are showing late payments that I believe may be inaccurate, outdated, or misreported. Please verify each late payment with the original creditor and update or remove any unverified information in accordance with FCRA 611 ( a ) ( 5 ).

Inquiries No inquiries are being disputed with Equifax at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-12 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: CL Holdings LLC
State: GA

Complaint narrative:
Per my XXXX XXXX complaint, XXXX  did not delete incorrect names on file or remove unverifiable/ inaccurate collection accounts, and did not delete inaccurate addresses. Company did not properly investigate. I would all negative items removed or monetary compensation ( {$1000.00} per violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Type : Credit reporting or credit card account issue Company : Capital One Bank ( USA ), N.A. 
Date of Issue : XX/XX/2025 Complaint Narrative : I received a letter from Capital One dated XX/XX/2025, denying my request for a credit limit increase on my SavorOne Credit Card ( account ending in XXXX ). The letter stated that my account was ineligible because : One or more Capital One accounts had been previously charged off or settled for less than the full amount owed ; The credit reporting agency reported a recent credit delinquency ; or There were too many missed minimum payments on revolving accounts. 
None of these statements are accurate. 
I have reviewed my credit reports from all three major bureaus ( XXXX XXXX XXXX XXXX XXXX and confirmed that I have no late payments, charge-offs, or delinquencies on any account within the past seven years. I also contacted Capital One customer service, and they verified that I have no other Capital One accounts that were ever charged off or settled. The representatives I spoke with were unable to explain why I received this denial letter, as my account history is in good standing. 
I opened my Capital One SavorOne Credit Card on XX/XX/2025, and have maintained an excellent payment history since opening the account. I have made all payments on time and kept my utilization low. Despite this, my account has only a {$300.00} limit, which significantly limits the usability of the account. I accepted the initial limit in good faith with the intention of building a positive relationship with Capital One. 
I believe Capital One may be reporting or relying on inaccurate information in its decision process or may have confused my account with another consumers. I have enclosed a copy of my current credit report showing my payment history and account status to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
A man named XXXX XXXX from Lean Enforcement Incorporated called approximately XXXX on XXXX. He stated i owed money for a XXXX something being stored in Florida. He insisted on me identifying myself and use the word YES, which i did not. I told him i know nothing about this Car or alleged debt and to stop calling my phone. He said to call XXXX when i want to identify myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX TU 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 TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief