vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

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 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Identity Theft- Fraudulent I am disputing this debt as fraudulent. I have no relationship, nor have I ever had a relationship with XXXX, nor have I ever resided at XXXX XXXX XXXX, XXXX, NY XXXX. At the time this utility was established ( XXXX ) I was not even in the United States , and had not been for about a year. I have attempted to reach out to Harris & Harris Ltd at XXXX and spoke with XXXX on XXXX. She has disputed this account. I was notified of this activity when I learned that a derogatory credit notification in the amount of {$73.00} had been attached to my credit report, which adversely impacted my credit rating.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX someone hacked my bank account, opened accounts in the middle of the night and bounced money from account to account until they XXXX the account {$22000.00}. My mom who had a joint bank account received text alerts, as soon as the bank opened she called and my accounts were temp closed. Then we went to the bank in XXXX CA and spoke to someone over the phone who started the investigation. 

the bank never contact me, did any investigation or provided any resources. They simply closed my account and kept the little money I had saved, about {$75.00} on XXXX account and {$480.00} on another account. I'm XXXX and depend on my money, they simply kept it. 

I am the victim of Identity theft, this is not okay to treat customer and not provide needed help when they are victims of FRAUD. the bank can easily track the money and see that it was not me and that I did not moved hte funds or take the funds. I need this resolved.

Someone stole my information and used it in another state to open bank accounts. I've only live in California and only XXXX XXXX XXXX, XXXX. Living with my mother. Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted Bank of America and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with Bank of America which was closed. I've disputed the information with the XXXX XXXX  and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate. 

MY ONLY RESIDENCE SINCE I WAS BORN XXXX XXXX XXXX XXXX XXXX CA XXXX. AND I HAVE NEVER LEFT HOME OR USED ANY OTHER ADDRESS. ALSO MY BIRHTDAY ON IS XX/XX/XXXX, I SEE THE FRAUD PEOPLE USED SOME OTHER DATA. 

I AM WAITING ON RESOLUTION AS I AM GOING TO CONTACT THE NEW CHANNEL TO HELP ME BECAUSE I AM DESPERATE

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 2025-07-07 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: CA

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of today, through my credit report, I found out that my Citi Thank you Card- formerly Sears has been closed. Personally, I do not mind, however, for the past three weeks, I have been attempting to make a payment, but the online portal has not been working. I have been calling customer service diligently for the past three weeks and have spoken to various agents regarding my account and inability to make a payment, view statements or contact them through their secure message center. They too have attempted to process my payment on their end, but the system does not cooperate. One of the agents suggested I go to a nearby Sears -- which is still open -- as they could take my payment, but after going, the store manager stated that they stoped taking in store payments a year ago. Ultimately, no final statement was sent stating that a balance was due and I was not notified that my account was closed. Ultimately I just want to be able to make a payment and satisfy my balance in full and would like someone other than the customer service agents to aid me with that because my payment will be coming up soon and I do not want to be charged late fees when there seems to be an issue on their end in processing the payment.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My business account is linked to my PayPal account. I use the account once every month to pay my editor for my podcast and this is only a few XXXX dollars usually around the XXXX to the XXXX of the month. I always receive a email that the transaction was initiated and the next day i receive an email that the payment was paid. on XX/XX/XXXX I receive an email from PayPal that my authorization number did not work and then another email telling me there is insufficient funds in my account. I went into my PayPal account and it has a XXXX and I see on XX/XX/XXXX a transaction for XXXX failed and it was for XXXX, a person I don't know at all then on the XXXX another attempt was made to get XXXX from my checking account and that failed then on the XXXX PayPal decided to pay this person themselves and charge me back for the XXXX. I started a case saying this was fraudulent and by Monday the XXXX of XXXX it was still the same and my case did not appear. I was able to get a number for PayPal and they told me point blank there was nothing suspicious about any of this and I owe them the money. I pointed out the failed attempts that I was not sent any information by PayPal about any of these transactions until the XXXX when they decided to pay this person. I have since filed a fraud charge with my municipal police with the FTC, XXXX  Dept of Consumer affairs and all news channels in my area and now XXXX XXXX  news is interested in the story. This is out and out fraud, they had no right to pay this person without my permission and they are now threatening to send this to collections if I don't pay them. I am XXXX retired on Social Security and no I do not have XXXX I am fully capable of all medical functions I have a small podcast that airs monthly and my brain is smarter than 92 % of people in my age bracket. PayPal is at fault here and I should not have to suffer for their mistakes.

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

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 2025-07-07 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: UT

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 non-monetary relief
Consumer complaint received 2025-07-07 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: GA

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 reporting is unjust and unlawful.

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

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

1681c-2 ) that you, the Equifax Information Services , 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 CA XXXX ACCOUNTS : 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

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

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request a formal investigation into an account being reported by XXXX XXXX XXXX on my credit report with a balance of {$2500.00}, last updated on XX/XX/, according to my XXXX credit file. 
I have previously disputed this item with the credit bureaus, yet it continues to be reported inaccurately. I have not received proper validation of this debt, and under the Fair Credit Reporting Act ( FCRA ), any item that can not be properly verified must be removed. 
Additionally, I believe this account may be outdated, inaccurate, or reported in a way that does not reflect its true status. This collection account is negatively affecting my credit profile and I am requesting that it be removed unless the furnisher can fully verify its accuracy with supporting documentation. 
Details of the account : * Furnisher : XXXX XXXX XXXX XXXX Amount : {$2500.00} * Reporting Agency : XXXX  * Last Update : XX/XX/ Please initiate an investigation and require the furnisher to provide full documentation, or remove the account in accordance with FCRA guidelines. 
Thank you for your assistance and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
XXXX 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 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. This fraudulent, inaccurate, and false information consists of : Incorrect Name- XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address - XXXX XXXX CT, XXXX XXXX, SC, XXXX Incorrect Address - XXXX XXXX CT, XXXX, SC, XXXX EMPLOYER - 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All information on my credit report must be accurate, complete, and verifiable. Due to these mistakes and unclear reporting, These mishaps violets FCRA laws. I am requesting that this account be removed entirely from my credit file, I have given you clear evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation