vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My account is set to deny all overdrafts. My account had an available balance of XXXX dollars on Thursday XX/XX/year>. I used the remaining money to make XXXX dollars worth of purchases. On Friday my account showed negative XXXX dollars because of pending charges but I already paid for them charges on Thursday. On Tuesday XX/XX/XXXX my account went from negative XXXX to a positive XXXX dollars because I received a refund of XXXX dollars. All the while my account shouldnt have been negative in the first place because that it the whole point of having protections on my account.

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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
According to my recent credit report, there is a 90-day late payment remarks reported for XX/XX/year>. I am requesting that these remarks be investigated and removed immediately, as they are the result of a reporting error by my student loan servicer. 
As a responsible borrower, I remain actively enrolled in a qualified repayment plan, and I have taken all necessary steps to maintain good standing with my loan obligations. These late payments were reported in error and do not accurately reflect my payment history or financial behavior.The late payment history shows a 90-day late payment, but no 30 or 60-day late payment exists prior to that. Please remove this inaccurate late payment of 90 days on XX/XX/year> for inaccuracy

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 2025-04-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number XXXX XXXX * * * * Creditor/Collection Agency Name : XXXX Account Number : XXXX * XXXX * * Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX * * * * * Creditor/Collection Agency Name : XXXX Account Number : XXXX * * * * * XXXX Agency Name : XXXX XXXX Account Number : XXXX * * * * Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX * * * * Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX * * * * Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rent One
State: LA

Complaint narrative:
On XX/XX/year>, a representative from XXXX XXXX named XXXX contacted my workplace XXXX XXXX XXXX and disclosed personal financial information about my account to my coworker, XXXX XXXX XXXX a manager. XXXX stated that I was behind on a payment and mentioned that they would file with the court due to non-payment, further stating they would visit my workplace and home. This disclosure was made without my consent and violated my privacy rights under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition, XXXX also contacted my sister. When my sister informed XXXX that we had not spoken recently and suggested she might have a better chance of reaching me directly, XXXX responded inappropriately by asking, Whats wrong? 

Furthermore, XXXX XXXX has been excessively contacting me, with representatives calling me more than XXXX times a day. This harassment began even though I was only XXXX payment behind, and the calls started before my payments due date had even passed. This behavior is excessive, harassing, and a clear violation of acceptable debt collection practices. 

These actions have caused embarrassment, emotional distress, and harm to my professional and personal reputation. I am requesting an investigation into XXXX XXXX practices, an immediate cease and desist order for contacting XXXX  parties and engaging in excessive communication, and appropriate penalties for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX 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 2025-04-15 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: FL

Complaint narrative:
Certainly! Here 's the updated dispute letter, explicitly stating that the account is a collection account : -- - * * [ Your Full Name ] * * [ Your Address ] [ City, State, ZIP Code ] [ Date ] * * * * Subject : * * Identity Theft Dispute for Collection Account XXXX XXXXXXXX Dear [ XXXX ], I am writing to formally dispute the inclusion of a collection account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. This collection account is fraudulent and was opened as a result of identity theft. I request that you investigate this matter and remove the account from my credit report immediately, as required by law. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. Additionally, the * * Fair and Accurate Credit Transactions Act ( FACTA ) * * provides me with the right to dispute and correct inaccuracies on my credit report. 

To support my claim, I have enclosed the following documents : XXXX. A copy of my government-issued ID. 
XXXX. A copy of my FTC Identity Theft Report ( or police report, if applicable ). 
XXXX. A copy of my credit report with the fraudulent collection account highlighted. 

Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the collection account is indeed fraudulent, I request that you notify XXXX XXXX XXXX to cease reporting this account to your agency. 

I also request written confirmation once the collection account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [

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 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Moehla and XXXX have both taken advantage of me and lied after trying to lower my payments XXXX times. The XXXX  time was in XX/XX/XXXX with XXXX, we had agreed to lower my payment to {$130.00} from my original payment of {$150.00}. After making my first payment of {$130.00} they told me that I wasnt paying the right amount and that I was behind on my payments because they never changed it from {$150.00}. After multiple back and forth on phone with them I continued to pay {$130.00} until they threatened on muliple occasions to report me to creditors. I had gotten caught up on " back payments '' because I was just about XXXX XXXX XXXX XXXX. XXXX then informed me that Mohela would be taking over my loans even though none of the address or phone numbers changed. Just who the check is made out to is the only difference. The change of loan companies happened before XX/XX/XXXX. On XX/XX/XXXX, now with Mohela, I had asked if my payments could get lowered because I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had said yes I could and would change the monthly payments to {$82.00} until the year XXXX then my monthly payments would go up to {$170.00}. I had said yes and paid the first monthly payment for XX/XX/XXXX on the phone with an agent for the amount of {$82.00}. I just received a payment book in the mail about a week after my phone call with them and it is XXXX times the amount that we discussed. The monthly payment is asking for {$270.00} until year XXXX and then it increases to {$710.00}. I have called and told them that is not what we discussed and I absolutely can not afford that or else I will XXXX XXXX XXXX XXXX XXXX XXXX They told me that they can not help me get it lowered to what we agreed to on the phone and that is what my new payment is. I even asked if I could go back to my {$150.00} original payments and they said no. They then told me to consolidate my loans. They also told me that I was behind on my payments because I only paid what they asked of me which was {$82.00} that we agreed on. Now I am in need of legal counsel because I can not afford that significant increase after being lied to and completely taken advantage of. This is ridiculous and insane that companies can take advantage of people like this. This is wrong ethically and morally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rock Creek Capital, LLC
State: VA

Complaint narrative:
The law firm of XXXX XXXX XXXX intentionally sent a summons to court for a XXXX validated dept to a XXXX XXXX XXXX address. A rental property that I lived at for 4 months after my divorce. I also believe they got that address from my a strained ex wife by sharing mine and my daughters personal financial records. My ex wife is under a restraining order of NO Contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-04-15 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: VA

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and
demand their removal. However, no satisfactory resolution has been provided.

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This account does not belong to me. Its been incorrectly mixed into my credit report and is clearly someone elses responsibility. I have no connection to it whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
Summary of the Complaint : I am filing this complaint against Equifax for its continued reporting of materially inaccurate and technically non-compliant information regarding the XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on the credit file of XXXX XXXX XXXX XXXX XXXX The information in question violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), contains XXXX XXXX standard errors, and demonstrates negligence in data accuracy and verification. 
Violations and Errors Identified on Equifax Credit Report : XXXX XXXX Compliance Errors ( Equifax Report ) : XXXX. Last Payment Date vs. Date of Activity : The last payment is reported as XX/XX/year>, but the activity date is XX/XX/year>, creating suspicion of DOFD ( Date of First Delinquency ) manipulation. 
Relevant Laws : FCRA XXXX ( c ) ; XXXX XXXX XXXX XXXX XXXX. Outstanding Balance on a Closed Account : The account is marked closed as of XX/XX/year>, yet it reports an active balance of {$4100.00}, which is technically incorrect under XXXX XXXX standards. 
Relevant Fields : XXXX XXXX Field XXXX ( Current Balance ) & XXXX ( Account Status ) XXXX. Account Type Discrepancy : Equifax categorizes the account as Sales Financing, whereas other XXXX list it as Bank Credit Card, introducing data inconsistency across bureaus. 
Relevant Law : FCRA 607 ( b ) ; XXXX XXXX Field 11 4. No Reported Payment History : Equifax omits any monthly payment pattern, which fails to meet the maximum possible accuracy standard. 
Relevant Law : FCRA 607 ( b ) Federal Law Violations Committed by Equifax : FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681i Failure to reasonably reinvestigate disputed information.

FCRA 611 ( 5 ) Obligation to delete unverifiable, inaccurate, or incomplete information.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

FCRA 623 ( b ) Failure to modify or delete inaccurate data after dispute.

FCRA 605 ( a ) ( 4 ) Unlawful reporting of delinquent accounts past the allowable 7-year DOFD period.

FCRA 609 ( a ) ( 1 ) / 15 U.S.C. 1681g Failure to provide full file disclosure upon request. 
GLBA ( 15 U.S.C. 6801 ( b ) ) Inadequate protection of financial information.

UDAAP ( 12 U.S.C. 5531 ) Use of unfair or abusive practices, such as inaccurate reporting and misleading classifications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
This account does not belong to me. Its been incorrectly mixed into my credit report and is clearly someone elses responsibility. I have no connection to it whatsoever.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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