vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I received a notification that my credit score went down, to find a derogatory mark on my credit score from a collections agency for an unpaid XXXX account. I have never had a XXXX, and the address associated with the account is not an address related to me. This is also the fourth time this fraudulent occurrence has happened due to identify theft.

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 2025-08-10 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: MS

Complaint narrative:
I tried disputing any incorrect information that is on my TransUnion credit report through TransUnion. On several occasions I reached out to them about my inaccurate information about my credit report. TransUnion has been very difficult to communicate with. The lenders provide me with incorrect information and Ive provided them with accurate information about my credit score. Still nothing has been provided to me about why my actual score is XXXX but its showing XXXX on the XXXX XXXX XXXX Which is very disappointing because I have proof my credit score is higher than what they are getting. My Fico scores are higher and correct on the other credit bureau besides TransUnion.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY LAST PAYMENT ON CHASE BANK CREDIT CARD ENDING IN XXXX WAS XXXX. 

CALIFORNIA STATUTE OF LIMITATIONS FOR CREDIT CARD DEBT IS 4 YEARS. 

HOWEVER, CHASE STILL HAS BEEN SENDING ME LETTERS IN THE MAIL EVERY MONTH TO COLLECT THIS OLD DEBT, WHEN THE STATUTE OF LIMITATIONS HAS PASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent account from my credit file as required by law. The account in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I've been informed that I have criminal charges in XXXX XXXX Nevada from last year when I have been in Kentucky for 14 years. And havent left. I have several accounts open in my name that I have no idea what they are or when they become open.

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 2025-08-10 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: TX

Complaint narrative:
I am filing this complaint against Equifax and XXXXXXXX XXXX XXXX XXXX XXXXXXXX. for violations of the Fair Credit Reporting Act ( FCRA ) related to an account ending in [ XXXX ]. 

Facts : This account was opened in XXXX. 
The Date of First Delinquency ( DOFD ) is in XXXX. 
XXXX  completed its reinvestigation and deleted the account entirely due to inability to verify. 
Equifax, however, continues to report the account. 
In XX/XX/XXXX, Equifax changed the status from 180 Days Late to Charge-Off, without clear disclosure of the original DOFD. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or misleading information by updating the status in a way that falsely implies a newer derogatory event.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a complete Method of Verification upon request, including DOFD and underlying records.

FCRA 623 ( b ) Failure to conduct a reasonable investigation when the account was disputed, especially given the conflicting results between bureaus.

Why this is a problem : Consumers have the right to accurate, complete, and non-misleading reporting. 
The account is unverifiable, as shown by its deletion from XXXX. 
Equifaxs reporting creates the false appearance that derogatory activity occurred more recently than it did.

Requested Resolution : Immediate deletion of this account from my Equifax credit file. 
Written confirmation of removal. 
Full explanation of Equifaxs reinvestigation process, including the documents relied upon. 
I am attaching : Screenshot/proof of XXXX deletion. 
Screenshot of Equifaxs current reporting. 
Copies of my prior dispute letters to Equifax and XXXX XXXX. 
Signature : [ Your Name ] [ Date ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
I am filing this complaint against XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) related to an account ending in [ XXXX ]. 

Facts : This account was opened in XXXX. 
The Date of First Delinquency ( DOFD ) is in XXXX. 
XXXX  completed its reinvestigation and deleted the account entirely due to inability to verify. 
XXXX, however, continues to report the account. 
In XX/XX/XXXX, XXXX  changed the status from 180 Days Late to Charge-Off, without clear disclosure of the original DOFD. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or misleading information by updating the status in a way that falsely implies a newer derogatory event.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a complete Method of Verification upon request, including DOFD and underlying records.

FCRA 623 ( b ) Failure to conduct a reasonable investigation when the account was disputed, especially given the conflicting results between bureaus.

Why this is a problem : Consumers have the right to accurate, complete, and non-misleading reporting. 
The account is unverifiable, as shown by its deletion from XXXX. 
XXXX reporting creates the false appearance that derogatory activity occurred more recently than it did. 
Requested Resolution : Immediate deletion of this account from my XXXX  credit file. 
Written confirmation of removal. 
Full explanation of XXXX reinvestigation process, including the documents relied upon. 
I am attaching : Screenshot/proof of XXXX deletion. 
Screenshot of XXXX current reporting. 
Copies of my prior dispute letters to XXXX  and XXXX XXXX. 
Signature : [ Your Name ] [ Date ]

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 2025-08-10 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year>XXXX  I had requested they remove a hold a transfer to pay a friend for assisting me in getting a hotel when I wasn't able to get on my flight. 

The fraud department said they were unable to assist me in removing the hold or processing payment, they transferred me to XXXX XXXX. 

The XXXX Department I spoke with two employees in requesting a removal of a hold on my transfer and removing any red flags on my account. XXXX said I had to go to a bank and bring two ID 's to remove the hold. This was a ridiculous request in my opinion, though I do not know my rights regarding this matter. Only that I've been dealing with constant issues regarding this since the beginning of XXXX. I am traveling and if I didn't have two forms of ID, I would not be able to having any recourse in this matter. 

I requested the issue be escalated, XXXX the supervisor informed me he could not provide me a reference number but he could mail me a copy of the event. I said to please send me confirmation by email so I can have this event documented. He said he could not do this either. 

Bank of America has still yet to remove all holds, or red flags and allow me the liberty to use my funds as I see fit. This has caused me great stress and XXXX, re-aggrevating existing issues I have regarding my mental health. I am genuinely frustrated at the lack of assistance I am getting from them whenever I encounter the same issues over and over. 

On XX/XX/year> I couldn't even pay for parking at XXXX XXXX when picking up a friend. 

I would like to be compensated and reimbursed for all of the grief & anguish this has caused me.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Was not removed They could not validate my debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called experian cause they berified it accurate in 12hr afrer i submitted dispute and filled a resubmittion of providing its acurate data i acked how did they verify this info what documents were used what system they used the name of XXXX XXXX  procesor who did rhe verification and was the original creditor contacted to verify also experian said thwy just a 3rd party reporting agency and dont have to do any of that its my job to provide that XXXX  from the conpany i said i fid and got borhing anf ahe said tjeybsaid its vetified so wr are reporting it ss that. Thats terrible experian does nothing for people at all

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 2025-08-10 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
" According to FCRA Section 611 it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Has requested to have debt verified by the company as well as the 3 credit bureaus. I have requested this information several times and all I receive from the company is monthly statements which doe not verify the account is mine. The credit bureaus state they verified the account ; however, they have yet to send me anything other then a credit report. 

I have been trying to get this information for months and yet, nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I have already filed complaints through the CFPB about my experience with ally bank and nothing was solved. I still have XXXX in the account ending in XXXX. They have closed my account after having me restricted for weeks. Id like my money sent to me as it should have already been. Id have called ally and they tell me theres nothing they can do.

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 2025-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was scammed out of XXXX $ by some who portrayed that they are XXXX XXXXXXXX XXXX dispute team. They convinced me that my account was closing and to add all my money on cash app so they could send it to a temporary debit card. After realizing, I made a police report and contacting my bank & cash app. My bank first told me to ask cash app for my money back before I got it disputed. After asking them to dispute it about 3 times, cash app refused to give me money back since the payment was processed. It didnt even matter that I showed them the police report. They kept giving me the run around until I told my bank to dispute it. Now months later, cash app is claiming that I owe them XXXX $ which is a lie. I refuse to pay money I was scammed out of and theyre telling me they have to wait for additional details on how to proceed the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MO

Complaint narrative:
Per my previous request I found out that Equifax has been reporting a bankruptcy that the were unable to verify. I recently had to file a complaint with the CFPB to have the bankruptcy removed. On XX/XX/year>XXXX  I received an update from Equifax stating " A summary of the results are listed below : Public Record : Bankruptcy THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' I now need to have all account included in bankruptcy removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Kansas Counselors claims to have been hired by XXXX XXXX to collect a medical debt which they say I owe as a result of medical treatment. Counselors claim, XXXX XXXX  for {$1400.00}. I have called and spoken with management at Kansas Counselors about the debt and asked if they could provide specific details about the debt. I asked if Counselors could provide a signature or my direct authorization to incur services at XXXX XXXX. After an investigation by Counselors, they could not provide any such authorization or proof that I authorized these medical services. 
I did not authorize XXXX XXXX to perform any medical services. 
Since Counselors can not provide legal proof that the debt was authorized by me, I am demanding that the collection be removed from my credit reports ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
my account was closed with out me knowing it or back contacting me first. 
i applied for a home based business job i was was told i was hired as a unknow shopper to evaluate the employees costumer service to it costumer, i was to shop at store listed and to report my evaluation on the employee. i was sent in the mail a check and instruction on when to do. after receiving the check i was to deposit the check and get some cards then begin shopping. after i deposit the check a few day later called the back to make sure funds was available to begin working to find out my saving and checking has been closed .No one contact me from the bank to inform me of what was going on. ii found out I'm a victim of fraud. The check was sent to by mail was not a good check and this person or company had be frauding people that looking for work home based business. My back just closed my account with out any investigation or even calling to ask any question.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My husband and I went through a vacation resort package deal for over 4 hours, was verbally told we would pay {$40.00} per month for a two year trial membership to XXXX XXXX XXXX through Barclay credit card. Six weeks later was told by XXXX XXXXXXXX that we had a {$4000.00} balance on credit card. All presentation and documents were on electronic devices. We were deceived and lied to. Credit card initially gave us a credit, six weeks later put the charge back on. I hired a lawyer, but was not successful. This charge is wrong and many other XXXX  people have been taken advantage of! Please help us in this! I should not have to pay this fraudulent charge! I have a pretty good credit score now, because I am trying to pay this down some until it can be resolved.

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 2025-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute of a hard inquiry appearing on my credit file. I did not give any permission for this action, nor did I apply for credit with the entity in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$25.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}

Company response to consumer: Closed with non-monetary relief