vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I make over charge payment to XXXX XXXX XXXX, a health insurance company. First payment is on XX/XX/XXXX for {$5000.00} with the credit card ending in XXXX. After that I made another payment on XX/XX/XXXX for {$1000.00} with the credit card ending in XXXX. I did request XXXX XXXX for the reimbursement but many many times they denied my claim on the extra payment that I made. In XXXX, I decide to terminate my health insurance plan, and request another reimburse and this time they write me a statement that they couldn't do the refund check of the reimbursement and say they never charge me on my billing statement, they ask me to file a charge back to my credit card company. But Bank of America denied my claim, and now both of them is pushing the claim to others. No body want to be responsible for it. 
The total is payment I make is {$6300.00} deduct each billing period for XX/XX/XXXX is {$77.00}. 
XX/XX/XXXX is {$77.00}. 
XX/XX/XXXX is {$73.00}. 
XX/XX/XXXX is {$87.00}. 
XX/XX/XXXX is {$87.00}. 
XX/XX/XXXX is {$87.00}. 
the amount of money left after i terminate my plan is 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 monetary relief
Consumer complaint received 2025-06-03 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: HI

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and XXXX  credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I was between the ages of XXXX and XXXX when the services took place. When I was XXXX or younger, I was aware that this would be covered by my parents ' health insurance policy. I know the company was out of business for a while due to construction and the relocation of our therapy sessions. XXXX, my therapist, also moved. I saw her for the final time when my parents ' health insurance was maxed out, resulting in no cost. That was when I was XXXX, turning XXXX that year, so it would be XXXX. To my knowledge, no money was collected as the insurance had covered it. I received no notification concerning this debt at any of the homes I've lived in. I presently live at XXXX, which they have never sent anything to. I also verified with my parents, who resided at XXXX and were being billed for the treatment sessions. They also did not have a letter or any recollection of the debt. I XXXX  the said debtcompany, and most of what they do appears to be shady or not legitimate at all. I'm not sure where this came from, why they never gave me a letter, and why XXXX XXXX never billed my parent 's card, which was on file the entire time, because they were the ones who looked after me before and after I was a minor. They also confirmed that they never received any charges, with the exception of a {$91.00} cost for my brain scan to determine which medicine I would be compatible with at the age of XXXX for 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 2025-06-03 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Affidavit of Identity Theft and Fraudulent Business Activity XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ( Age XXXX ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date : XX/XX/XXXX Subject : AFFIDAVIT Identity Theft, Unauthorized Inquiries, and Fraudulent Business Account Closure Request Dear Sir or Madam, I, XXXX XXXX XXXX XXXX am submitting this affidavit to formally dispute and report fraudulent activity discovered on my credit report. This includes unauthorized credit inquiries and the fraudulent establishment of a business account under my identity. 
I am a victim of identity theft and have never applied for any credit cards, opened any business accounts, or authorized any third party to do so on my behalf. Specifically, I affirm that I do not own, nor have I ever owned or operated, any business by the name of XXXX XXXX XXXX XXXX. Any business account or credit activity linked to that entity is fraudulent and should be immediately closed and removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws, I assert the following rights : Applicable Federal Laws : 15 U.S.C. 1681b ( Section 604 ) : No consumer report may be furnished without my written consent or a legally permissible purpose. I provided neither.

15 U.S.C. 1681c ( a ) ( 5 ) : Credit reports must not contain obsolete or inaccurate information. Fraudulent inquiries and accounts fall under this category. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information to consumer reporting agencies is unlawful.

15 U.S.C. 6802 : My personal financial information can not be lawfully disclosed to nonaffiliated third parties without proper notice and opportunity to opt out.

18 U.S.C. 1028 : Identity theft is a federal crime, and any use of my identity without consent is prosecutable under this statute.

I Request the Following Actions : 1. Immediate removal of all unauthorized credit inquiries and business-related information associated with XXXX XXXX XXXX XXXX XXXX 
2. Closure of any business or commercial accounts opened using my name, SSN, or any personal identifying information.

3. Written confirmation that these actions have been completed and a clean credit report reflecting the corrected information. 
This affidavit is made in good faith and under penalty of perjury. I respectfully demand your prompt attention and resolution. Should these matters remain unresolved within 30 days of receipt, I will pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues. 
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 2025-06-03 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Affidavit of Identity Theft and Fraudulent Business Activity XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX ( Age XXXX ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Subject : AFFIDAVIT Identity Theft, Unauthorized Inquiries, and Fraudulent Business Account Closure Request Dear Sir or Madam, I, XXXX XXXX XXXX XXXX am submitting this affidavit to formally dispute and report fraudulent activity discovered on my credit report. This includes unauthorized credit inquiries and the fraudulent establishment of a business account under my identity. 
I am a victim of identity theft and have never applied for any credit cards, opened any business accounts, or authorized any third party to do so on my behalf. Specifically, I affirm that I do not own, nor have I ever owned or operated, any business by the name of XXXX XXXX XXXX XXXX. Any business account or credit activity linked to that entity is fraudulent and should be immediately closed and removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws, I assert the following rights : Applicable Federal Laws : 15 U.S.C. 1681b ( Section 604 ) : No consumer report may be furnished without my written consent or a legally permissible purpose. I provided neither.

15 U.S.C. 1681c ( a ) ( 5 ) : Credit reports must not contain obsolete or inaccurate information. Fraudulent inquiries and accounts fall under this category.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information to consumer reporting agencies is unlawful.

15 U.S.C. 6802 : My personal financial information can not be lawfully disclosed to nonaffiliated third parties without proper notice and opportunity to opt out. 
18 U.S.C. 1028 : Identity theft is a federal crime, and any use of my identity without consent is prosecutable under this statute.

I Request the Following Actions : 1. Immediate removal of all unauthorized credit inquiries and business-related information associated with XXXX XXXX XXXX XXXX XXXX 
2. Closure of any business or commercial accounts opened using my name, SSN, or any personal identifying information.

3. Written confirmation that these actions have been completed and a clean credit report reflecting the corrected information. 
This affidavit is made in good faith and under penalty of perjury. I respectfully demand your prompt attention and resolution. Should these matters remain unresolved within 30 days of receipt, I will pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-06-03 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: SC

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
To whom it may concern, The deletion or blocking of accounts resulting from potential unauthorized inquiries is governed by consumer protection laws, ensuring the removal of inaccurate or potentially fraudulent information. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which may stem from potential fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions appear to have been undertaken without my authorization, thus potentially infringing upon my consumer rights as defined by the Fair Credit Reporting Act, specifically under Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies may have initiated these actions without proper validation or original documentation from any of the reporting entities.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit report and noticed that there are inaccuracies being reported.

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 2025-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Affidavit of Identity Theft and Fraudulent Business Activity XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX ( Age XXXX ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date : XX/XX/XXXX Subject : AFFIDAVIT Identity Theft, Unauthorized Inquiries, and Fraudulent Business Account Closure Request Dear Sir or Madam, I, XXXX XXXX XXXX XXXX am submitting this affidavit to formally dispute and report fraudulent activity discovered on my credit report. This includes unauthorized credit inquiries and the fraudulent establishment of a business account under my identity. 
I am a victim of identity theft and have never applied for any credit cards, opened any business accounts, or authorized any third party to do so on my behalf. Specifically, I affirm that I do not own, nor have I ever owned or operated, any business by the name of XXXX XXXX XXXX XXXX. Any business account or credit activity linked to that entity is fraudulent and should be immediately closed and removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws, I assert the following rights : Applicable Federal Laws : 15 U.S.C. 1681b ( Section 604 ) : No consumer report may be furnished without my written consent or a legally permissible purpose. I provided neither.

15 U.S.C. 1681c ( a ) ( 5 ) : Credit reports must not contain obsolete or inaccurate information. Fraudulent inquiries and accounts fall under this category.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information to consumer reporting agencies is unlawful.

15 U.S.C. 6802 : My personal financial information can not be lawfully disclosed to nonaffiliated third parties without proper notice and opportunity to opt out.

18 U.S.C. 1028 : Identity theft is a federal crime, and any use of my identity without consent is prosecutable under this statute.

I Request the Following Actions : 1. Immediate removal of all unauthorized credit inquiries and business-related information associated with XXXX XXXX XXXX XXXX XXXX 
2. Closure of any business or commercial accounts opened using my name, SSN, or any personal identifying information.

3. Written confirmation that these actions have been completed and a clean credit report reflecting the corrected information.

This affidavit is made in good faith and under penalty of perjury. I respectfully demand your prompt attention and resolution. Should these matters remain unresolved within 30 days of receipt, I will pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues. 
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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/year>, MRS BPO , LLC, a debt collection agency, attempted to collect a debt allegedly owed by the complainant. The debt in question is associated with XXXX XXXX XXXX accounts ending in XXXX and XXXX. The complainant disputes the validity of this debt and has formally requested validation and verification of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), Texas Finance Code Chapter 392, and other applicable laws. 

Despite this request, MRS BPO , LLC has not provided sufficient documentation to substantiate the debt, including proof of the original creditor, the amount owed, or evidence that the complainant is legally responsible for the debt. Additionally, the complainant has raised concerns about potential violations of the FDCPA, including the possibility that the debt may be time-barred under the Texas Civil Practice and Remedies Code Chapter 16. 

The complainant has sent a formal letter to MRS BPO , LLC demanding compliance with federal and state laws, including proof of a surety bond required under Texas law. The complainant has also requested that all collection activities cease until the debt is properly validated. If the company fails to comply, the complainant intends to pursue legal action and file complaints with regulatory agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00}. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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