vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the above-referenced credit card account, which appears on my credit report and is being attributed to me. I did not authorize the opening of this account and have no knowledge of its origin, transactions, or related terms. I discovered this account in XX/XX/XXXX, and after a thorough personal investigation and subsequent identity theft report filed with the FTC, I have determined that this account was opened and used fraudulently without my knowledge or consent. 

This alleged account was reportedly opened in XX/XX/XXXX, and has been reported with a delinquent or charged-off status amounting to {$830.00}. However, I had no knowledge of its existence until my review of my credit file last year. I immediately took action by filing an identity theft report and notifying all three major credit bureaus. I also began submitting complaints through the proper legal channels to protect my credit reputation and enforce my rights under federal law. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide a full investigation into this matter and produce all of the following documentation to substantiate the validity of this debt : 1. A signed and dated original credit card agreement or application, bearing my signature, physical address, or personal information that demonstrates I knowingly opened this account.

2. A complete payment history and statement records from the account since inception, to verify activity and use.

3. The date of first delinquency ( DOFD ) and proof of how the {$830.00} balance was calculated.

4. Any IP address, device ID, email address, or physical location data associated with the account application or any transaction.

5. Internal fraud investigation records showing how or if this account was flagged for suspicious activity or unauthorized use.

6. Verification of procedures you followed in confirming the identity of the person who opened the account.

7. A copy of the complaint or account file that demonstrates your basis for furnishing this information to the credit bureaus.

As a consumer who was the victim of identity theft, I have every right to demand verification of this account before it is furnished to credit reporting agencies. If you can not furnish all legally required documentation, including my signature on an original contract, you are required under federal law to delete this account from all consumer reporting agencies and cease collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-05 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:
I am concerned to see a late payment listed, as I always pay my obligations on time. I kindly ask for a review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I dispute the listed inquiries as unauthorized. They may indicate identity theft. Please investigate and take appropriate action. Ive provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC
State: LA

Complaint narrative:
I entered into a subscription with a company called XXXX, XXXX ( " XXXX '' ) which provides air diffusers and diffuser oils. The subscription promised products and services. After entering into the subscription with Aroma I began receiving oils that smelled horrible at concentrations exceeding safe or naturally occurring levels. I contacted XXXX numerous times via email and telephone detailing my complaints about the pungent smell of the oils. Aroma representatives assured me that my complaints would be handled and resolved and that future diffuser oils shipped to me would not smell unpleasant. However, after many months of false promises by XXXX that they would ship me pleasant smelling oils, I never received such. Therefore, I had no choice but to stop using the diffuser and scented oils for the health and safety of myself and my family. 

I believe that I was fraudulently induced into the Aroma subscription based on the fact that I did not receive the products and services that XXXX promised me. As a result, I formally notified XXXX in writing that I was terminating my subscription with them due to breach of contract. Subsequently, XXXX continued to ship and charge me for their oil, however I refused the shipment, it was sent back to XXXX, and XXXX credited me. 

Now, months later, I am receiving telephone calls from XXXX XXXX XXXX XXXX XXXX ( XXXX ) advising that they are calling me for collection of a debt on behalf of XXXX, XXXX. I spoke with a representative of XXXX on XX/XX/year>, via telephone and advised them that the last product sent to me by XXXX was refused and that XXXX credited me for the returned product. I also informed XXXX that I dispute any additional funds that they were attempting to collect from me due to XXXX breach of the subscription. XXXX attempted to call me on XXXX more occasions, XX/XX/year>, XX/XX/year>, and XX/XX/year>, which was within XXXX days after I initially engaged in the XX/XX/year>, telephone conversation with them about the particular debt which violates The Fair Debt Collection Practices Act. Furthermore, XXXX never provided me with a proper validation notice, including the claimed amount owed either at the time of the initial contact nor within XXXX days of the first contact which also violates The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It XXXX Concern, This is a formal demand for the immediate deletion of the charged-off account bellow XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX & XXXX Opened XX/XX/XXXX {$2400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9200.00} XXXX XXXX open date PRIL XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX XXXXXXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/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 2025-08-05 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: FL

Complaint narrative:
To Whom It XXXX Concern, This is a formal demand for the immediate deletion of the charged-off account bellow XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX & XXXX Opened XX/XX/XXXX {$2400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9200.00} XXXX XXXX open date PRIL XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX XXXXXXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/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 2025-08-05 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:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report i noticed several variations of my name as well as several addresses i am not associated with on my report. I attempted to dispute the incorrect personal information on the Experian website but was not allowed to do so and prompted to do so via mail which I did. I mailed a request to Experian on XXXX which was received by them on XXXX as of today XXXX I have not heard back from experian and the incorrect personal information remains on my report. Along with the request to delete all variances of my name along with all the addresses not current. I included a copy of a utility bill which clearly displays my current address along with identification

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 2025-08-05 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ 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 2025-08-05 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I deposited a check months ago. 3 days later navy federal bank in XXXX Ca flagged my refund check that I needed to use to get another car for my kids. 

I did an appeal, sent over documents in the correct timing just for navy federal to contact me months later that my account will continue to be restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. 
clearly used my information without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. 
clearly used my information 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 2025-08-05 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: GA

Complaint narrative:
I am submitting this formal dispute regarding violations of federal and commercial laws tied to the reporting and handling of items on my credit report.

Under 15 U.S.C. 1692c ( FDCPA ), my rights were violated due to unlawful communication practices. Additionally, per 15 U.S.C. 1681i ( FCRA ), you are required to conduct a reinvestigation into all disputed items. Despite multiple requests, the items have not been removed or appropriately validated.

I have filed an official FTC Identity Theft/Fraud Report, submitted a UCC1 Financing Statement, and provided a UCC11 Report verifying my status and notice of interest. I have yet to receive proper validation or proof of debt. No wet-ink signature or authenticated contract has been provided to prove the legitimacy of any claims.

This ongoing failure to investigate and correct inaccurate data violates : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i, 1681s-2 ( b ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c, 1692e, 1692g Uniform Commercial Code ( UCC ) : Articles 1, 3, and 9 GAP Codes and violations of fiduciary obligations and administrative due process Each unresolved item on my credit report constitutes a {$1000.00} claim in damages for willful non-compliance. You are now formally put on notice. Failure to comply may result in further legal action, including affidavits of truth, estoppel by silence, and commercial lien processes.

I demand immediate removal of all inaccurate, unverifiable, and fraudulent items and a full reinvestigation as required by law. 

Cease and desist all unlawful reporting and collection efforts moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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