vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft. My vehicle was stolen on XX/XX/XXXX, and a police report was filed with the XXXX XXXX Police Department under XXXX # XXXX. 

Subsequent fraudulent activity has been discovered, including the unauthorized opening of bank accounts in my name. 

XXXX  is currently reporting inaccurate information on my consumer report related to these fraudulent accounts. The negative information is a direct result of the identity theft and does not belong to me. 

The fraudulent accounts are : Account 1 : Source of Information : Bank of America Reported For : Suspected Fraud Activity Date of Closure : XX/XX/XXXXXXXX XXXX XXXX : XXXX / XXXX Original Charge Off Amount : {$3600.00} Closure Status : UNPAID I have filed a dispute directly with XXXXXXXX and am now filing this complaint with the CFPB to ensure a thorough investigation is conducted. I am requesting the immediate and permanent removal of all fraudulent entries from my XXXX file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: NY

Complaint narrative:
They called repeatedly even after i told them to stop, after they did not vailadate the debt like asked.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is stating that I owe a debt. The alleged debt is filled with pure inaccuracies. Age of debt, amount owed, whether debt was sold or discharge, and 1099-C for my tax records. 

Re : Dispute of Inaccurate Reporting Repossession/Deficiency Balance To Whom It May Concern, I am writing to formally dispute the accuracy of the following account on my credit report : XXXX Name : XXXX XXXX ] Account Number : [ XXXX ] This account is being inaccurately reported and must be investigated under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

Specifically : I dispute the accuracy of the repossession status and/or deficiency balance. 
I request verification of : A copy of the original loan/contract. 
Documentation that the repossession and resale of the collateral were conducted in compliance with applicable law. 
Itemized accounting of the deficiency balance calculation. 
Proof that the furnisher has a legal right to collect or report this debt. 

If the furnisher can not provide the requested documentation, the account must be corrected or deleted from my credit report. 

Please provide me with written confirmation of your investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a credit card with capital one on their website ( you can even XXXX this by typing in ( capital one late payments '' ) it states they close accounts after 180 days and after 60 days they raise interest i called to make a payment on a 60day late card and i was offered a Covid relief but the person on the phone said i didn't qualify .. i asked if my account would be closed if i made this payment they said no i submitted the {$300.00} payment out of the XXXX XXXXXXXX i owed.... 
my account was oddly closed not long after that... 
and send to collections i had another card... that was 90 days late going on 120 and i owed {$2000.00} was not closed and i didn't call or mention it to the person on the phone needless to say they didn't handle this according to their website XXXX XXXX XXXXcapitalone.com/XXXX XXXX this is where you will find the 30 / 60 / 120 late payment repercussions now my account is in collections and i am being sued by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-08-21 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Re : Escalation of Identity Theft Complaint Goldman Sachs Bank Accounts I am filing this complaint against Goldman Sachs Bank regarding fraudulent accounts that have been wrongly verified and continue to be reported despite clear evidence of identity theft. The accounts in dispute are : GS Bank GM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  GS Bank GM XXXX, Apple Card Goldman Sachs Bank. 
I previously disputed these accounts with the credit bureaus and Goldman Sachs Bank. However, the company responded by 'verifying ' the accounts without providing any proof that I opened or authorized them. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. 
Furthermore, under FCRA 605B, upon receipt of a valid FTC Identity Theft Report, such fraudulent accounts must be blocked within four business days. I have submitted my FTC Identity Theft Report and supporting documents, yet the accounts remain.

Goldman Sachs Banks continued reporting of these unverifiable and fraudulent accounts is a direct violation of FCRA 623 ( a ) ( 3 ) & 623 ( b ) ( 1 ) ( A ). 
I was XXXX from XXXX through XXXX. These accounts were opened after that period and are fraudulent, as I did not and could not have authorized them. 
I respectfully request that the Consumer Financial Protection Bureau compel Goldman Sachs Bank and the credit bureaus to immediately delete these accounts from my credit file and provide confirmation of compliance. 
I am attaching copies of my FTC Identity Theft Report, identification, and supporting documentation for review. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I am submitting this complaint because Experian continues to report inaccurate addresses on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, credit reporting agencies are required to ensure that all reported information is accurate, complete, and verifiable. Reporting incorrect addresses violates federal law and has caused me personal and financial harm, including potential misreporting of account information, credit confusion, and difficulties obtaining loans. 

Details of Inaccuracies : Addresses Reported : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX These addresses are incorrectly associated with my credit file. The misreporting may lead to misidentification and potential errors in linked account information. This violates 1681e ( b ) and 1681i, which require maximum possible accuracy and reasonable investigation of disputed information. 

Harm Experienced : Confusion and misidentification of credit accounts Potential negative impact on loan approvals and interest rates Emotional distress due to persistent reporting errors Requested Resolution : Conduct a thorough reinvestigation of all accounts associated with these addresses in compliance with 1681e ( b ) and 1681i. 

Correct all inaccurate address information and related account details. 

Provide written confirmation of the corrections along with an updated credit 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been trying to sort out an issue regarding our mortgage payment with Freedom Mortgage for almost a month, the issue is due to many inconsistencies on their end. They have incorrect addresses, numbers, bank accounts and are making automatic payments to accounts I do not own and then charging nfs and late fees on payments I have never made. I am stonewalled by basic customer service reps with promises of further research, more supervisors that answer no further questions than the agents they supervise. I have statement and transaction proof from my bank of which I have sent them that they do not comment or even say is relevant though they prove payments have been made every month.

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 2025-08-21 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:
Equifax is reporting an account from XXXX that is unauthorized, unverified, and lacking any documented permissible purpose under 15 U.S.C. 1681b. I never consented to or authorized this transaction to be included in my credit file. Equifax has failed to provide any documentation proving the accuracy or legitimacy of this reporting, which violates 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy. 

Additionally, Equifax has not updated my employer information despite prior requests. The credit file still reflects outdated details. My employer should be reported as XXXX, and failure to correct this violates my rights under 15 U.S.C. 1681i ( a ), which requires reasonable reinvestigation and correction of inaccurate personal data. 

I am requesting the immediate deletion of the unauthorized XXXX account XXXX proper updating of my employer information, and confirmation of these corrections. Failure to comply constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-21 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: MA

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 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 2025-08-21 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: MA

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX was trying to find a {$500.00} dollars payday advance loan which they ask you fo all your prudentials to see if everything was accurate when i provided my account the {$500.00} dollars hit my account which i didn't e-sign because i seen where they was going to charge me over {$2000.00} for a XXXX dollars so i backked out of th sight which i made a Complaint on how coul thy depoosit funds with my signature now they ingoring me jus keep saying we recived your complaint but i never recived a account number or payment plan which i ask for

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 2025-08-21 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: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation