vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I would like to file a complaint against XXXX of XXXX and request assistance to resolve my issue. 
When we were finalizing our purchase, the finance manager, XXXX, confirmed that the total price of the vehicle would be {$33000.00}. However, we were surprised to find out that XXXX of XXXX sent an amount of {$38000.00} to Bank of America. confirming with the finance manager that our payoff amount was {$33000.00}, the higher amount was still sent to the bank. 
After verbally and signing a paper form which was provided by XXXX declining all additional extras and warranties, the finance person still added about $ XXXX in charges and warranties behind our back. 
I seek your help to address this discrepancy and resolve the issue. 
Customer name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Cel # XXXX Cel # : XXXX Ps. I bought a car XXXX XXXX XXXX XXXX from the store XXXX of XXXX on XX/XX/XXXX and I didn't receive the bill of sale. When I asked XXXX XXXX the finance person for the bill of sale or paperwork for the sale he promised to email the contract but he never did. I called him several times to send the contract he never emailed it. The first time I saw the contract was when Bank of America faxed it to me. 
I drove from my location in XXXX Illinois to the dealership in XXXX Texas to receive my contract and see the original form. 
The dealer denied having original contract and said they only have digital form. The signature on the form is not mine and I never signed this document nor seen this contact. Please Investigate this signature. 
My husband and I were kicked out and they the police after threatening us to leave within XXXX minutes. Police came and told us to leave the premises. 

On XX/XX/XXXX The police department directed me to fill out a police report online and I did. The police report tracking number is : XXXX. On XX/XX/XXXX my husband and I went to the police department and spoke with officer Masters about the situation and how the car dealership called the police on us to leave the premises only because we asked them for the original bill of sale and to investigate the the fraudulent charges on the copy they provided.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, I was buying my first home and applied for a mortgage with Bank of America. I received a pre-approval letter and was asked to pay {$650.00} for a home appraisal. I paid this amount out of pocket, trusting the process and the bank. 

After the appraisal was completed and paid for, Bank of America denied my loan application without providing a clear explanation. I was never informed that the loan could be denied even after ordering the appraisal. This caused me to lose {$650.00} unnecessarily. 

The same loan that Bank of America denied me, I was later approved for by XXXX XXXX, and I was able to purchase the same house for the same loan amount. 

I believe Bank of America acted negligently and failed to properly review my application before ordering the appraisal, causing me financial loss and emotional distress during my first home buying process. I am requesting a full investigation and reimbursement of the appraisal fee.

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 2025-07-23 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:
XXXX XXXX XXXX  Credit Card has reopen an account that has been long closed and now claim I have XXXX late payments when this account has been closed the duration of those XXXX payments and shouldn't exist they're saying I missed payments on a closed account which is dishonest

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 2025-07-23 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: FL

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 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 XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 XXXX Date : XX/XX/XXXX XXXX XXXXEXPERIAN 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 XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-07-23 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: 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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX BANK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} INQUIRIES : 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 2025-07-23 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: Experian Information Solutions Inc.
State: GA

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 2025-07-23 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: FL

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX 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 2025-07-23 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: MA

Complaint narrative:
Im very troubled after checking my credit report and discovering multiple loans and accounts that I have no knowledge of. These accounts are not mine, and its clear that my personal information was used without my authorization. Below is a list of the unauthorized accounts currently showing on my credit report : XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX XXXX XXXX XXXX. opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX opened in : 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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered a new collection entry from National Credit Systems , Inc. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX ) showing a balance of {$10000.00}. The report indicates that this account was assigned to the collection agency on XX/XX/year>, by the original creditor, XXXX XXXX XXXX, and carries a status date of XX/XX/year>. 

I never received any bill, statement, or prior notice from XXXXXXXX XXXX XXXX or National Credit Systems , Inc. regarding this debt. I was completely unaware of its existence until it appeared on my credit report. 

On XX/XX/year>, I contacted National Credit Systems , Inc. by phone to request validation of the debt. They were unable to provide any documentation or proof that I owe this amount. No agreement, contract, or payment arrangement was ever made between me and XXXXXXXX XXXX XXXXXXXX or its assignee. 

Because I never received notice or verification of the underlying obligationand National Credit Systems , Inc. could not validate the debtI believe this collection entry is invalid. I am requesting that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon viewing my most recent consumer report, I discovered XXXX  that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These XXXX entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: IL

Complaint narrative:
I am submitting this complaint regarding an account reported on my credit file as XXXX XXXX with a balance of {$18000.00}. This account is being reported as open and past due, but that is not accurate. The account is over 120 days delinquent, and at this stage, it should be reflected as closed or charged off. 

This timeshare contract was the result of misrepresentation, and I have made several attempts to resolve this directly with XXXX. Despite repeated efforts to communicate my financial hardship and request a resolutionincluding letters requesting contract terminationthey have continued to ignore me and keep the account open as if Im still an active, paying customer. 

This not only causes ongoing credit damage but also prevents any meaningful resolution. I do not understand why XXXX has not followed a standard collections timeline or process. After months of nonpayment, they have neither closed the account nor initiated any proper resolution path.

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 2025-07-23 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: IL

Complaint narrative:
I am submitting this complaint regarding an account reported on my credit file as XXXX XXXX with a balance of {$18000.00}. This account is being reported as open and past due, but that is not accurate. The account is over 120 days delinquent, and at this stage, it should be reflected as closed or charged off. 

This timeshare contract was the result of misrepresentation, and I have made several attempts to resolve this directly with XXXX. Despite repeated efforts to communicate my financial hardship and request a resolutionincluding letters requesting contract terminationthey have continued to ignore me and keep the account open as if Im still an active, paying customer. 

This not only causes ongoing credit damage but also prevents any meaningful resolution. I do not understand why XXXX has not followed a standard collections timeline or process. After months of nonpayment, they have neither closed the account nor initiated any proper resolution path.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report a collection account from XXXX XXXX XXXX ( original creditor : XXXX ) after I submitted a formal dispute on XX/XX/year>. 

No documentation was provided in response. This account is not present on my Experian or Equifax reports, which calls into question its accuracy. 

TransUnion is violating : FCRA 1681e ( b ) : Lack of maximum possible accuracy FCRA 1681i ( a ) : Failure to reinvestigate FCRA 1681c-2 : I assert my right to block unverifiable data within 4 business days

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 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding suspicious credit inquiries that were placed on my credit file without my permission. I disputed the inquiries directly with Experian and asked them to validate each one with appropriate documentation. However, I never received a response or any evidence proving that these credit pulls were legitimate. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 The names and dates of the inquiries are listed in the attached dispute letter as well. I did not authorize these entities to access my credit report, and without proof of consent or a permissible purpose under the Fair Credit Reporting Act, these inquiries should have been removed. The credit bureaus lack of action has forced me to seek CFPB intervention for proper enforcement and 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
All Inquires included this misinformation XXXX. XXXX XXXX XXXX Account Number : XXXX Issue : This account is inaccurately reported as a charge-off with multiple delinquencies, including a XXXX day late payment in XXXX. I have no record of this debt, and the furnisher has not provided any supporting documentation to verify this debt as required under the FCRA. I have disputed this directly with Equifax, but it remains unresolved. 

XXXXXXXX XXXX XXXX XXXX  Account Number : [ use last XXXX visible digits if you prefer, e.g., XXXX ] Issue : XXXX of XXXX XXXX  accounts is showing as closed but marked with severe delinquencies, including a XXXX day late mark and a charge-off. I dispute the accuracy of this reporting and requested validation, which has not been provided. The payment history does not align with my records. Additionally, the second XXXX account is also listed with a vague history and unconfirmed amounts. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX Issue : This account is showing an excessive balance ( {$320.00} on a {$250.00} limit ) and is reporting a XXXX late payment from XX/XX/XXXX. The Consumer disputes after resolution comment is misleadingI have not received any validation of this delinquency nor acceptable documentation to back this derogatory mark.

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