vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TN

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 2025-07-16 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: TN

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 non-monetary relief
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00}

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 explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 non-monetary relief
Consumer complaint received 2025-07-16 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Between XXXX and XX/XX/year>, I made multiple purchases totaling {$1400.00} on XXXX, sending gifts to livestreamers who claimed they were in serious need. They said they couldnt afford food or medicine or were caring for sick family members. They cried on camera, shared emotional stories, and acted like they were desperate for help. I was emotionally manipulated. 

I later found out these streamers were part of a larger network that operates like a scam business, trained to use fake stories and emotional tactics to target kind-hearted viewers, especially Americans. They lied to get sympathy and money. This wasnt charity. It was fraud. 

I filed a fraud claim with Bank of America, but they denied it, stating the purchases were made from my device. That doesnt change the fact that I was misled and scammed. I also contacted XXXX, but they failed to take responsibility or protect users from this kind of deception. 

Ive been emotionally and financially hurt, and I believe this needs to be investigated.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the year XXXX I had gotten my phone stolen and they use my bank account to submit fraudulent checks so when I recover my phone I found out that Bank of America closed my account and I did not know why so I called and they just told me that those frogs on activity and they asked me if it was me and I said no I have my identity stolen, which I did in the moment After having that conversation with Bank of America. They couple of months past and I tried opening up the bank account with other banks and they told me to check XXXX and early warning system so when I got my consumer report back, it had said something about Bank of America file account activity, and when I disputed all of this a couple of times months have already passed by when I decided to call Bank of America and try to resolve the claim with them they told me that they filed the wrong claim and that theyre not gon na do anything about it This took two months for them to get back to me just to tell me that the Bank of America deposit agreement and disclosures, which is the contract that governs your account requires customer to review their bank statements and report the transaction to the bank within 60 calendar days of the date on the statement showing the fraudulent items. This claim was reported outside at that time. 
When they had sent me this letter saying that they were not going to take off the report to XXXX about the fragile account because I didnt report it within 60 days when I didnt even know that they filed the wrong claim

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 2025-07-16 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-16 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: NY

Complaint narrative:
Ive been provided an item with important information regarding my payment details, account summary, and account notifications and as a cardholder, I share concern about ensuring the account is properly managed and maintained. After a reasonable opportunity to inspect the item that has been presented and addressed to me related to the agreement, I believe there is a possible mistake on the statement and error on the account. In the Account XXXX there is no indication of a XXXX XXXX, whereas on the payment coupon there is, this inconsistency renders it incomplete.I also believe the XXXX XXXX charge has not been authorized but has been posted to the account, resulting in the true transaction amount being omitted. 
I consent to the collection of consumer reports on the account. To ensure fairness and accuracy in credit reporting, agencies should collect personal and consumer information, then report if for review and investigation of consumer credit, creditworthiness, character, and value. This is intended for permissible purposes related to credit and insurance statements. 


Please See Attachments

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 2025-07-16 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: NY

Complaint narrative:
Ive been provided an item with important information regarding my payment details, account summary, and account notifications and as a cardholder, I share concern about ensuring the account is properly managed and maintained. After a reasonable opportunity to inspect the item that has been presented and addressed to me related to the agreement, I believe there is a possible mistake on the statement and error on the account. In the Account XXXX there is no indication of a XXXX XXXX, whereas on the payment coupon there is, this inconsistency renders it incomplete.I also believe the XXXX XXXX charge has not been authorized but has been posted to the account, resulting in the true transaction amount being omitted. 
I consent to the collection of consumer reports on the account. To ensure fairness and accuracy in credit reporting, agencies should collect personal and consumer information, then report if for review and investigation of consumer credit, creditworthiness, character, and value. This is intended for permissible purposes related to credit and insurance statements. 


Please See Attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-16 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: OH

Complaint narrative:
Im disputing an account being reported by XXXX XXXXXXXX XXXX XXXX as charged off with a {$590.00} past due balance. This is showing up on all three credit reports, but I believe the information is inaccurate and complete. 

Im asking for a full reinvestigation under the FCRA. I want to see proof that I opened this account ( like a signed application ), and I want the details balance, past due status, and charge-off to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im disputing an account being reported by XXXX XXXXXXXX XXXX XXXX as charged off with a {$590.00} past due balance. This is showing up on all three credit reports, but I believe the information is inaccurate and complete. 

Im asking for a full reinvestigation under the FCRA. I want to see proof that I opened this account ( like a signed application ), and I want the details balance, past due status, and charge-off to be verified.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im disputing an account being reported by XXXX XXXXXXXX XXXX XXXX as charged off with a {$590.00} past due balance. This is showing up on all three credit reports, but I believe the information is inaccurate and complete. 

Im asking for a full reinvestigation under the FCRA. I want to see proof that I opened this account ( like a signed application ), and I want the details balance, past due status, and charge-off to be verified.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Complaint Description I am filing this complaint regarding inaccurate, misleading, or unverifiable information reported by the following companies to one or more consumer reporting agencies : [ Insert company names e.g., XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, etc. ] These companies may have violated the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws by engaging in the following : Reporting inaccurate or unverifiable information to consumer reporting agencies without conducting a proper investigation or ensuring the accuracy of the data, in violation of 15 U.S.C. 1681s-2 ( b ). Failing to provide proper notice of adverse actions or their intent to furnish negative credit information, which is required under 15 U.S.C. 1681m. Continuing to report disputed items without marking them as " in dispute '' or failing to properly investigate disputes within the required 30-day timeframe ( 15 U.S.C. 1681i ).

Including accounts that were discharged in bankruptcy or otherwise resolved, in violation of consumer protections under federal bankruptcy law and the FCRA.

Reporting accounts or collections past the allowable time limits ( typically 7 years ) as defined under 15 U.S.C. 1681c ( a ).

Using deceptive, unfair, or abusive acts or practices ( UDAAPs ) under the XXXX XXXX XXXX Reform and Consumer Protection Act, enforced by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I have previously disputed Experian, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am writing in response to a collection notice I received regarding an alleged debt you claim I owe. This letter is a formal dispute of the validity of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I request that you provide full validation of this alleged debt.

Specifically, I am requesting : 1. A copy of the original signed contract or agreement bearing my signature, demonstrating my legal obligation to pay this debt.

2. The name and address of the original creditor, along with the full account number and amount claimed.

3. A detailed breakdown of how the debt amount was calculated, including any interest, fees, or other charges. 


4. Proof of your legal authority to collect this debt, including any assignments or transfers of ownership.

Until this information is provided, and the debt is validated in accordance with the FDCPA, I request that you cease all collection activities, including reporting this debt to credit reporting agencies.

Please be advised that failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my states Attorney Generals office.

This is not a refusal to pay but a request for validation. I reserve all rights under the FDCPA and applicable state laws.You have removed this collection from XXXXXXXX XXXX XXXX XXXX  or XXXX XXXXn a prior dispute as well. There for please follow through with removing it from all credit reporting agencies.

Company response to consumer: Closed with explanation