vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My identity was stolen and used without my consent to open multiple fraudulent bank accounts. I had no knowledge that this was happening until I began receiving unexpected notifications and correspondence from banks regarding accounts I had never opened. Upon investigating further, it became clear that someone had used my personal information to carry out these unauthorized activities. I did not authorize or participate in any part of this process, and I was completely unaware that my identity had been compromised. This has been a deeply unsettling experience, as it involved a serious breach of my personal and financial privacy. 

As a result of this identity theft, I have faced significant obstacles in trying to open legitimate bank accounts for myself. Financial institutions have flagged my name due to the fraudulent activity linked to it, making it extremely difficult for me to gain approval for new accounts or access essential financial services. This has negatively impacted my ability to manage my finances, receive direct deposits, and perform basic banking functions that most people take for granted. The experience has not only caused me stress and inconvenience, but it has also damaged my financial standing through no fault of my own.

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 2025-08-24 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: AL

Complaint narrative:
Everything on this credit file is a violation explained in the attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
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 XXXXXXXX Re : Formal Dispute Fraudulent Collection Accounts ( Identity Theft & Breach ) Dear Credit Bureau, I am writing to dispute the reporting of the following accounts appearing on my credit file : - XXXX XXXX XXXX  / XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Placed for Collection These accounts are inaccurate, fraudulent, unauthorized, and must be deleted immediately under my rights as a consumer. 
Basis of Dispute 1. Identity Theft / Data Breach Compromise I was notified as part of the XXXX  XXXX XXXX XXXX that my personal identifying information was compromised. This breach materially increased the likelihood of fraudulent accounts being opened without my authorization. 
XXXX. No Authorization or Knowledge I have no knowledge of these accounts and I never granted authorization to XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX for this debt. Reporting an account opened through identity theft is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking fraudulent information. 
XXXX. Failure of XXXX XXXX Compliance The accounts are reported with conflicting notations : Placed for collection and Account information disputed by consumer. Such inconsistencies violate XXXX XXXX reporting standards, which require accurate and complete data. Any incomplete, unverifiable, or misleading reporting must be deleted under FCRA 607 ( b ).

4. Failure to Validate Debt Under FDCPA 809 ( 15 U.S.C. 1692g ), a collector must provide proper validation, including a signed agreement bearing my signature. No such validation has ever been produced. Continuing to report unverifiable accounts is unlawful. 
Demands - Immediate deletion of the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts from my credit file. - Provide me with written confirmation of deletion within 30 days as required by FCRA 611 ( 15 U.S.C. 1681i ). - If you believe you have evidence that I authorized these accounts, please furnish a complete copy of the signed contract, application, and itemized validation within the same timeframe.

If this dispute is not resolved, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney General, and pursue remedies under FCRA 616, 617 for willful or negligent noncompliance. 
Sincerely, XXXX XXXX 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 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint because there is a Capital One account reporting on my credit profile that I am not personally responsible for. I have disputed this account previously with Capital One and the credit reporting agencies, as it does not belong to me. Capital One filed a lawsuit against me in an attempt to collect on this alleged debt. During the court proceedings, they were unable to provide sufficient evidence that I was responsible for this account. The judge ultimately dismissed the case, recognizing that there was no proof of my liability for the debt. Despite the courts dismissal and the lack of any verified evidence that this account is mine, Capital One continues to report this account to the credit bureaus, negatively impacting my credit. I am requesting the Consumer Financial Protection Bureau to investigate this matter and assist in having this inaccurate and unverified account removed from my credit profile. I am not legally or personally responsible for this debt. I am also requesting that Capital One cease all collection activity and reporting related to this account, as it is not mine, and a court of law has already ruled in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
This company allowed false reporting after I keep supplying court documents showing that this account is fraudulent and you keep allowing it to remain on my credit and failing to investigate properly this needs to be removed from my credit immediately XXXX XXXX  is showing collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Automated collection ] XXXX XXXX XXXX XXXX tn XXXX Re : Request for Debt Validation Account No : [ XXXX ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above, which you have reported to the credit reporting agencies. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide the following : The name and address of the original creditor.

The full account number associated with this alleged debt. 

A copy of the original contract, agreement, or other documents bearing my signature that makes me legally obligated to pay. 

A complete accounting of the alleged debt, including principal, interest, fees, and how they were calculated. 

Proof that you are legally authorized to collect this debt in my state and on behalf of the original creditor. 

Documentation showing your ownership of, or assignment to, this debt. 

Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies ( Equifax, Experian, and TransUnion ). Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

If you can not provide proper validation, you are required to delete this account from all consumer credit reports and cease any further collection activity. 

Please consider this letter a dispute of the alleged debt in its entirety. This letter is being sent via certified mail, return receipt requested, and a copy is being retained for my records. 

Sincerely, [ XXXX XXXX ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$2300.00} using Zelle through XXXX to the recipient at XXXX ( listed as XXXX ). In the XXXX app the payment shows conflicting statuses in one view it says Pending and in another it says Delivered. However, the recipient never received the funds. 

I contacted XXXX to ask for confirmation and resolution. They opened the case but did not provide a clear explanation or refund. At this time, the money is still missing, and neither XXXX nor Zelle has given a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc
State: IL

Complaint narrative:
I never lived a the address XXXX XXXX XXXX XXXX XXXX, IL XXXX. I lived at the address XXXX XXXX XXXX XXXX  Its shows on my credit that I owe at an address that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is not a duplicate of prior filings. On XX/XX/XXXX, the CFPB closed one of my Chase complaints ( # XXXX ) as a duplicate under credit reporting. That filing addressed general reporting issues. This complaint is different : it concerns new and ongoing harm tied to my upcoming mortgage refinance. 

On XX/XX/XXXX, I paid in full three Chase Bank accounts ( # XXXX, # XXXX, # XXXX ) through a refinance payoff. Despite full payoff, Chase continues to furnish false information to XXXX XXXX XXXX XXXX  reporting the accounts as if they became new charge-offs in XXXX with balances owed. This conduct is materially misleading and unlawful. 

Because of Chases unlawful re-aging, my credit profile is being misrepresented today. I am preparing to refinance out of my FHA loan into a conventional mortgage within the next six months. Any lender evaluating my file now or during the application will treat the re-aged accounts as recent derogatory events. This will materially raise my loan terms, increasing my mortgage interest rate by 0.51.0 %. That equates to {$25000.00} {$50000.00} in added interest over the life of the loan. 

This conduct violates the Fair Credit Reporting Act and XXXX XXXX reporting standards : FCRA 605 ( c ) : Reporting MUST be based on the original Date of First Delinquency ( DOFD ), NOT a later refinance payoff. By using XX/XX/XXXX as the last payment date and status update, Chase has unlawfully re-aged these accounts. 
FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate reporting after notice. Chase has failed to do so despite multiple disputes.

FCRA 1681e ( b ) : Credit reporting must be accurate and fair. Reporting these accounts as new charge-offs in XXXX is materially false. 
XXXX XXXX Standards : Paid/closed charge-offs must be coded Paid/Closed with {$0.00} balance, not re-aged as new derogatory events. 

Case law confirms that this type of conduct is unlawful : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers must conduct a reasonable investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Liability exists for technically accurate but materially misleading reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishers are responsible for accuracy when verifying disputes. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Accuracy means avoiding misleading impressions, not just factual correctness. 

Chase has also financially benefited from this misconduct. These accounts were previously charged off, meaning Chase already received accounting benefits. After my refinance, they were paid in full. Yet Chase continues to report them as new charge-offs in XXXX, creating unjust enrichment and compounding the harm to my mortgage terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have XXXX stuck on my Cashapp account, its Been months since contacting support to get my money all they do is send me a XXXX l generated response that says nothing. 
They have been holding my money for months with no new email. No updates. Nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/scrub>/2025 XXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXXXXXX XXXX2025 XXXX XXXX2025 XXXX XXXXXXXX XXXX/2025XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery has false debt information and continually harassing me threatening legal action. I have disputed their claims online and they were unable to prove the information as accurate but did not delete things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
b"I am filing an FTC identity theft report regarding fraudulent accounts that have appeared on my consumer credit report.\XXXX XXXX XXXX XXXX\nContents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B\n(15 U.S.C.  1681c-2) that you, the TransUnion credit, equifax and experian credit bureaus reporting agency, block information appearing on my consumer\ncredit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of a personal credit card account opened at American Express on\XXXX XXXX XXXX under the account number (private), an auto loan account opened at XXXX XXXX XXXX XXXX on\XXXX XXXX XXXX under the account number (private), a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX XXXX under the account number (private), and a collections account opened at DNF Associates\non XXXX with a balance of $(private) that appears related to the aforementioned personal loan account opened at\nPentagon Federal Credit Union. These accounts have resulted in several fraudulent hard inquiries and fraudulent\ncollections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as\na copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do\nnot recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts,\ncollections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or\ninitiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(191768815r) as proof from the US\nFederal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are\nthe result of identity theft and fraud.\n\n\n I do not recognize these accounts, which are the result of identity theft and fraud. The fraudulent accounts include:\n Complete credit Solution acct number XXXX\nopended XXXX XXXX XXXX acct number XXXX  opened XXXX XXXX XXXX XXXX acct number XXXX opene XXXX Per Pay acct number XXXX XXXX XXXX XXXX acct number XXXX  opened XXXX\n\nThese accounts have also led to fraudulent hard inquiries and collections being reported on my consumer credit file."

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