vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am the victim of identity theft, and two accounts appearing under Bank of America on my credit report are fraudulent. I did not open or authorize either account, and I was unaware of their existence until reviewing my TransUnion credit report dated XXXX XXXX XXXX

The accounts in question were : Account # [ Last 4 XXXX XXXX ] Opened on XXXX XXXX XXXX charged off for {$11000.00} Account # [ Last 4 : XXXX  ] Opened on XXXX XXXX XXXX charged off for {$6100.00} Both accounts were allegedly opened and charged off within a few months, which is highly suspicious and inconsistent with my account behavior. I have never received billing statements, notifications, or any communication from Bank of America regarding these accounts. 

Upon discovering them, I immediately : Reviewed all bank and identity records no sign of my consent or involvement Filed a formal dispute with XXXX on XXXX XXXX XXXX Drafted dispute letters to Bank of America under the FCRA and FDCPA Compiled identification and address verification to support my claims These accounts are severely harming my credit, and I am requesting : Full investigation and deletion of these fraudulent accounts Written confirmation of the results Prevention of any future reporting or collection activity on these items

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 2025-05-26 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXXU # XXXX - Balance {$29000.00} XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. Timeline of Events ( with timestamps ) XXXX XXXX XXXX : I received a phone call from DCI Credit Services. Shortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). XXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. XXXX PM : I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. Violations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. Failure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809. Possession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. This is a serious breach of data privacy and personal information misuse. Resulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. This puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am requesting that the CFPB reopen and escalate my complaint originally filed on XXXX XXXX XXXX against ChexSystems Complaint ID : XXXX. 

ChexSystems responded to my dispute on XXXX XXXX XXXX, stating only that they will initiate a review of my file and that they would send additional correspondence after their investigation is complete. However, no such investigation has been completed, and I have not received a conclusive reinvestigation result as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

The CFPB appears to have marked this case as closed before the statutory reinvestigation period had expired, and before ChexSystems concluded its review. This premature closure undermines my right to a proper and timely dispute resolution. 

Additionally, my original dispute included multiple accounts I do not recognizemany associated with suspected identity theft. I included a detailed report listing each account in question and supporting documentation. ChexSystems only mentioned initiating review of one XXXX XXXX XXXX  entry, while failing to address the remaining entries I disputed. 

I respectfully request that this complaint be reopened and monitored until ChexSystems provides : Final reinvestigation results in writing, covering all disputed entries, A full accounting of whether any accounts were verified or deleted, Confirmation of compliance with the FCRAs 30-day reinvestigation requirement, A written notice of findings as required under 15 U.S.C. 1681i ( a ) ( 6 ). 

Thank you for your attention to this matter and for upholding the rights granted to me under federal law.

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 2025-05-26 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: CA

Complaint narrative:
XXXX, Equifax and XXXX  all have inaccurately reported information pertaining to the following student loan 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 I have filed a written complaint with all 3 credit bureaus via certified mail and have filed multiple complaints through the CFPB 's site on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX bureaus have responded with reports stating that their reportings are accurate despite The Department of Education furnishing different information. All 3 bureaus are reporting that these 10 student loans were opened in XXXX when in fact they were all opened between the years of XXXX and XXXX which misrepresents the age of these accounts, and is negatively affecting my credit history and score. Per U.S. Code 1681c ( a ) ( 5 ) credit reporting of negative information older the 7 years is prohibited. The opened and closed dates, account numbers, amount due, payments and interest are also materially incorrect per The Department of Education. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), I am requesting the prompt deletion of inaccurate or unverifiable information regarding these student loans. 

I am including documentation to support my claim, including : Statements from my student loan servicers showing the original loan dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
XXXX, XXXX and Experian all have inaccurately reported information pertaining to the following student loan accounts ; XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * I have filed a written complaint with all XXXX credit bureaus via certified mail and have filed multiple complaints through the CFPB 's site on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX bureaus have responded with reports stating that their reportings are accurate despite The Department of Education furnishing different information. All XXXX bureaus are reporting that these XXXX student loans were opened in XXXX when in fact they were all opened between the years of XXXX and XXXX which misrepresents the age of these accounts, and is negatively affecting my credit history and score. Per U.S. Code XXXX ( a ) ( XXXX ) credit reporting of negative information older the XX/XX/XXXXyears is prohibited. The opened and closed dates, account numbers, amount due, payments and interest are also materially incorrect per The Department of Education. Under XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ), I am requesting the prompt deletion of inaccurate or unverifiable information regarding these student loans. 

I am including documentation to support my claim, including : Statements from my student loan servicers showing the original loan dates.

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 2025-05-26 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 writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite previous dispute attempt, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 
Moreover, XXXX XXXX. XXXX ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ). 
If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under XXXX XXXX. XXXX for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
When I first opened the account, I paid XXXX in pre-paid funds on the credit card. At the time of closing the credit card, I used XXXX dollars of the XXXX. The bank then sold my secured line of credit to the debt collection agency. I have went to the bank where I opened the account, and they coul not give me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I am writing to formally dispute inaccurate and misleading information that is currently being reported on my credit file in connection with the following account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Opened : XX/XX/XXXX Reported Balance : {$0.00} Credit Limit : {$300.00} Account Type : Revolving Credit Upon reviewing my credit report, I noticed that this account reflects a history of late payments in multiple months of XXXX and XXXX, despite showing a {$0.00} reported balance and no indication of a minimum payment due. Specifically, late payment markers appear for XXXX, XXXX, and XX/XX/XXXX, and status is listed as " Unknown '' for early XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : Dept of EducationXXXX XXXX XXXX XX/XX/XXXX | Balance : {$3100.00} Dept of EducationXXXX Opened on XX/XX/XXXX | Balance : {$6900.00} XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies.

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines.

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report.

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly Attached is a Ftc identity fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : Dept of EducationXXXX XXXX XXXX XX/XX/XXXX | Balance : {$3100.00} Dept of EducationXXXX Opened on XX/XX/XXXX | Balance : {$6900.00} XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies.

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines.

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report.

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly Attached is a Ftc identity fraud report.

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am submitting a formal complaint against Caine & Weiner for unlawful debt collection and credit reporting practices. They are currently reporting a collection account ( Account # XXXX ) with a balance of {$300.00}, dated opened XX/XX/XXXX, without ever validating the alleged debt, providing a contract with my wet signature, or proving that they are legally licensed to collect in the State of Georgia. 

They have reported this tradeline to the credit bureaus since XXXX, with the most recent status update on XX/XX/XXXX, yet I have never received : A copy of any original agreement bearing my signature A legally compliant validation of debt as required by FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Any proof that Caine & Weiner is licensed to collect debts in Georgia, as required by state and federal law Any notice of my rights under the Fair Debt Collection Practices Act This account was reported without verifying its accuracy or legality, violating : FDCPA 807 ( 15 U.S.C. 1692e ) False, deceptive, or misleading representations FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt FCRA 1681e ( b ) Failure to ensure maximum possible accuracy in reporting FCRA 1681b Failure to establish permissible purpose Georgia Fair Business Practices Act, which prohibits unlicensed collection practices To this date, I have not received any documentation showing I legally owe this debt, and I dispute the validity of this account in full.

Company response to consumer: Closed with explanation