vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am disputing a XXXX XXXX  account that appears on my credit report as a " charge-off '' with a reported balance of {$13000.00}. However, the information reported is inconsistent, inaccurate, and has not been properly verified. 
There are discrepancies in the dates of last activity, outstanding balance, and charge-off status. Additionally, the data reported is not consistent across the three credit bureaus ( TransUnion, Experian, and Equifax ). I requested an investigation under the FCRA, but no corrections or removals have been made.

I am requesting the CFPB to investigate and take appropriate action.

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 2025-06-19 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 disputing a XXXX XXXX  account that appears on my credit report as a " charge-off '' with a reported balance of {$13000.00}. However, the information reported is inconsistent, inaccurate, and has not been properly verified. 
There are discrepancies in the dates of last activity, outstanding balance, and charge-off status. Additionally, the data reported is not consistent across the three credit bureaus ( TransUnion, Experian, and Equifax ). I requested an investigation under the FCRA, but no corrections or removals have been made.

I am requesting the CFPB to investigate and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NV

Complaint narrative:
I received an email from my banking institutions and credit bureau agencies on XX/XX/scrub>/2025 that there have been changes to my credit report. Upon logging into my accounts, I noticed there was a significant drop in my credit score from a XXXX to XXXX and a new account was on my file which was derogatory. My credit has been stellar for over 15 years and Ive worked hard to attain this credit rating. The company charging these false, derogatory allegations to my account is NATIONAL RECOVERY, XXXX XXXX XXXX, XXXX, PA XXXX. 

Completely overwhelmed, upset and confused with the new found information on my credit report. I immediately contacted my lawyer about this issue because I knew this was not my account. Plus, Iam currently going through the process of purchasing a new home and this derogatory event would be drastic to my future purchasing ability.

My lawyer advised me to contact the NATIONAL RECOVERY AGENCY and have them remove the falsified information or provide information to me why they believe its my account. While speaking with the representatives from the NATIONAL RECOVERY AGENCY they mentioned that the phone call would be recorded so the conversation is on file. The representative asked me specific questions to qualify it was me and they noticed a discrepancy in my age. The representative form the agency provided a different date of birth, which qualifies me as NOT being the person on the account... The representative mentioned, even though the date is incorrect my case is still being investigated and will take months to be resolved. I mentioned to the representative that this is legally not fair. THE REPRESENTATIVE mentiones to me I CAN PAY HALF THE AMOUNT AND THEY WOULD TAKE IT OFF MY CREDIT REPORT. THIS WILL ENABLE ME TO PURCHASE MY HOME.

This type of response from the NATIONAL RECOVERY AGENCY is EXTORTION. The representative knows its not my derogatory account but wants me to plead guilty to something that is not mine and pay half the amount for its removal or it will be on my report for months. Ultimately disqualifying me for the purchase of a home.

Please help and have this company remove the derogatory information from all 3 Bureaus.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First off, I was charged over {$100.00} in account maintenance fee. I was moving out of the country and could not access mobile banking as it required XXXX  verification code, I called the bank to try to reset this but they were not able to help me. I requested a refund and they only refunded {$36.00} out of {$120.00} which was incredibly unfair. 

When calling them on XXXX, I asked the agent to make sure I would not be charged and the agent said I will not be charged going forward as my account balance is above the threshold, but I was still charged. The agent promised to escalate issue and that I will hear back with a decision. First off, they never gave me any emails/updates and I had to call myself today to find out that refund request was declined. They refused to refund me despite the agent misleading me. Disgusting business practice by BoA.

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 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-06-19 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: IA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-06-19 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: IA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I previously submitted formal disputes to TransUnion, Equifax, and Experian regarding medical debt collections reported by XXXX XXXX XXXX. My disputes were based on the CFPBs final rule issued on XX/XX/scrub> 2025, which became effective XX/XX/year>2025, and prohibits medical debt from appearing on consumer credit reports, regardless of whether it is verified. 

My letters clearly referenced this federal regulation and demanded removal of the medical accounts based on the new rule. However, all three credit bureaus responded by stating that the debts had been verified, which demonstrates that they failed to address the legal basis of my dispute or to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ).

This is a clear violation of 12 C.F.R. Part 1022 ( Regulation V ) and the FCRAs reinvestigation requirements. Their responses were non-responsive to the substance of my dispute and reflect either gross negligence or willful noncompliance with current federal law. 

XX/XX/year>2025 The CFPB issued a final rule prohibiting the inclusion of medical debt on consumer credit reports. 
XX/XX/scrub> 2025 The rule became federally effective and enforceable by law. 
XXXX 2025 I submitted formal dispute letters to all three credit bureaus ( TransUnion, Equifax, Experian ) citing : FCRA Section 603 ( i ) Regulation V ( 12 C.F.R. Part 1022 ) The XX/XX/scrub> 2025 CFPB rule banning medical debt reporting XX/XX/scrub> 2025 Received responses from all three bureaus stating the debts were verified and would remain on file. No response addressed the legal basis of my dispute. 
XX/XX/scrub> 2025 Sent escalation letters to TransUnion, Equifax, and Experian demanding deletion due to failure to comply with federal law. 
XX/XX/scrub> 2025 Prepared and submitted complaints to the CFPB and FTC for noncompliance, requesting enforcement action.

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 2025-06-19 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Account number XXXX Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, Account number XXXX Balance {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$430.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that XXXX has on me. Access to this information is essential to address concerns regarding this inquiry and to ensure that my rights are fully protected. 

Specifically, I am requesting : A complete copy of the full consumer report that XXXX has on me. 
Any additional details or documentation related to this inquiry that may assist in resolving this matter.

I kindly ask for your assistance as the overseeing consumer agency to ensure I receive all relevant information and that this issue is addressed appropriately. If additional documentation is required to process my request, please let me know. 

You may contact me at XXXX or XXXX for further communication. Thank you for your time, attention, and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14000.00}

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 2025-06-19 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: FL

Complaint narrative:
I am writing in response to Experians recent reply to my complaint submitted through the CFPB Portal on XX/XX/scrub>, 2025 complaint # XXXX. I find their response not only insufficient but evasive, and I am formally requesting that this matter be escalated and further investigated by the CFPB. 

Experian continues to allow third-party entities to access my credit file without my explicit knowledge or authorization, which is a clear and unacceptable violation of my privacy and consumer rights. 

Let me be very clear : I did not apply for credit with the organizations whose hard inquiries now appear on my report. I did not give written or verbal authorization for my credit file to be accessed by them, nor did I initiate any transaction that would warrant such inquiries. 

Experian 's generic reference to permissible purpose under the Fair Credit Reporting Act ( FCRA ) is not a valid excuse for blindly allowing any entity to pull a hard inquiry without verifying consumer consent. It is your legal responsibility to ensure that the entities requesting my credit report are doing so with legitimate, provable consumer authorization. Merely taking a company 's word for it is not due diligence. 
By allowing this, Experian is complicit in enabling unauthorized access to my personal financial information, which has a direct and negative impact on my credit score and financial standing. These hard inquiries should not only be removed immediately but Experian must also be held accountable for failing to implement sufficient safeguards against abuse of the system. 

I am demanding : A full audit and identification of every entity that has accessed my credit report in the last 24 months.

Immediate removal of all unauthorized hard inquiries.

A written explanation and proof from Experian showing the supposed authorization each of these entities provided.

An internal review by the CFPB into Experians policies and compliance protocols related to inquiry validation.

I expect this to be addressed promptly and seriously, as the integrity of the credit reporting system is at stake. If the CFPB fails to act, I will have no choice but to explore further legal remedies and public reporting of these violations.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this formal complaint and dispute against the credit reporting agencies ( XXXX XXXX and XXXX ) as well as the debt collection companies currently reporting inaccurate, unverifiable, or potentially illegal collection accounts on my credit reports. 

Background : The following collection accounts are being reported on my credit profile, but I believe they are : Inaccurate dates opened and last activity reporting Unverified Unlawfully reported And/or in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer laws Portfolio Recovery Associates XXXX XXXX XXXX XXXX Legal Violations & Grounds for Removal : FCRA 609 ( a ) ( 1 ) I have a right to request and receive a full validation of any account being reported. The bureaus and collectors have failed to provide original source documentation with my signature proving ownership of the debt.

FCRA 602 ( A ) The reporting of inaccurate and unverifiable accounts harms my ability to access credit and violates the requirement that consumer reporting be fair and accurate.

FDCPA 809 ( b ) The collectors have not properly validated the debt upon request. Merely reporting data to credit bureaus without full legal verification does not satisfy the requirement.

FCRA 611 Upon receiving my disputes, the CRAs are required to conduct a reasonable investigation. The continued reporting of unverifiable and disputed information suggests either no investigation occurred, or it was not conducted in good faith. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Guidelines Collection accounts must be reported using accurate formats and can not include obsolete, duplicated, or unverifiable data.

Company response to consumer: Closed with explanation