vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NC

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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Complaint Regarding Mishandled Dispute Unauthorized Double Charge ( XXXX XXXX  Hotel Transaction ) To Whom It May Concern, I am filing this complaint against Bank of America for its failure to properly handle my dispute regarding a transaction from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the amount of {$80.00} on XX/XX/year>. 
Here are the facts : I booked a hotel reservation through XXXX. 
48 hours before check-in, I contacted the hotel directly to request a date change. They informed me that there were no available rooms on the new dates, and also refused to provide a refund. 
When I asked to cancel, the hotel immediately released my original reservation to someone else and resold the same room, effectively charging me while profiting again by reselling the booking. 
This is a clear case of double charging and unfair practice by the hoteXXXX 
I submitted a dispute to Bank of America with all supporting evidence, but the bank failed to process my claim in good faith and closed the case without properly investigating. 
Bank of America has a legal obligation under the Fair Credit Billing Act ( FCBA ) and Regulation Z to investigate billing errors and unauthorized or unfair charges. By refusing to take proper action, Bank of America is failing in its duty to protect consumers. 
I am therefore escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) for further review and enforcement. 
Requested Resolution : Immediate reopening and fair investigation of my dispute. 
Full reversal/refund of the {$80.00} unauthorized charge. 
Written confirmation that corrective action has been taken. 
Please be advised that if this issue is not resolved, I will pursue further regulatory and legal remedies.

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 2025-09-04 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:
Her -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXX ] To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Improper Reporting of Closed Accounts/ Violation of FCRA & FDCPA -- - Dear CFPB Compliance Division, I am filing a formal complaint against XXXX XXXX XXXX  , and TransUnion regarding their continued reporting of closed accounts that remain in a disputed status, despite multiple disputes and creditor responses admitting they can not validate the debts. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. Failure to Provide Validation of Debt Under 15 U.S.C. 1692g ( b ), a debt must be validated upon request. Neither the bureaus nor the furnishers have produced the original signed contracts or legally sufficient proof of liability.

2. Failure to Conduct Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Reporting under dispute indefinitely without resolution constitutes a violation.

3. Reporting of Unverified / Inaccurate Information Under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum accuracy. Continuing to report unverifiable closed accounts directly harms my creditworthiness.

4. Failure to Delete Unverified Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be promptly deleted. Instead, the bureaus are improperly maintaining these accounts.

5. Re-Aging of Accounts Closed accounts have been re-aged in violation of 15 U.S.C. 1681c ( a ), which prohibits reporting of outdated or re-aged negative information.

-- - Requested Relief I request that the CFPB compel XXXX XXXX and TransUnion to : Immediately delete all closed accounts that creditors have failed to validate.

Provide written confirmation of deletions.

Cease the practice of marking unverifiable accounts as under dispute indefinitely.

Investigate potential willful noncompliance and impose appropriate penalties under 15 U.S.C. 1681n. 





-- - 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 2025-09-04 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:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I opened a mobile banking app called " Chime ''. 
I would add cash onto my card at XXXX in XXXX XXXX California every couple weeks and use it to pay bills, gas, childcare needs etc.. 
I received an email and a text message following all deposits and following all withdrawals. 
On XX/XX/year> I deposited {$500.00} cash onto my chime visa card at XXXX. 
My account balance became {$550.00}. Several days later I tried to use my chime card and it was declined. I immediately attempted to open the chime mobile app to find out the issue and it would not allow me to log in, instead it read, quote " Yikes, your account has been closed call XXXX '' Several desperate calls brought no resolution. 
I am a single mother trying to get by. I can not let chime get away with stealing my {$550.00} from my XXXX and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am filing this complaint because Experian, TransUnion, and Equifax have failed to comply with their obligations under 15 U.S. Code 1681c-2 ( Block of Information Resulting from Identity Theft ). 
On XX/XX/year>, I submitted valid block and delete requests to Experian, TransUnion, and Equifax regarding identity theftrelated information in my credit files. I included the required documentation : Identity theft report Proof of identity Written statement identifying the fraudulent information The law is clear under 15 U.S.C. 1681c-2 ( a ) ( 1 ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
As of today, none of the three agencies Experian, TransUnion, or Equifax has responded, acknowledged, or acted within the 4-business-day deadline. This is a direct violation of federal law. 


Below are the complaints numbers, companies, and dates attached to the complaints previously filed through CFPB : XXXX EQUIFAX XX/XX/year> XXXX TransUnion XX/XX/year> XXXX EXPERIAN XX/XX/year>

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 2025-09-04 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 formally contesting the accounts listed, which I did not authorize or establish. As they appear fraudulent, I respectfully request their immediate removal and a comprehensive investigation. Supporting evidence accompanies this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Today, XX/XX/year> I attempted to contact Aidvantage multiple times. The first time, the automated system took me to a rep and no one said anything, just dead silence for about 12 seconds and then the survey started. I went to the website and requested a call back instead, and got that callback. I talked with a representative ( It was very cordial ) but I guess she decided she didn't want to talk anymore because she hung up when I was asking questions about comparisons between the repayment plans. Before she hung up, she was trying to talk me into a deferral / forebearance without discussing ANY of the other options first, so I think that me not taking that created a desire for her to simply move on to the next. This company is woefully mishandling these things. 

I understand that this is complicated and complex and that's why I'm reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint as a victim of THE BREACH, which is documented in the national public database of data breaches. According to that notification, my personally identifiable information ( PII ) including my California Drivers License Number, Social Security Number, home address, and phone numbers was exposed and made available on the dark web. 

This breach occurred in XXXX, but I was not notified until XXXX, and only through an outside source, not the responsible party or a consumer reporting agency. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified of such a breach within 60 days of discovery. 

Furthermore, 15 U.S.C. 1681c-2 ( FCRA 605 ( b ) ) requires consumer reporting agencies ( CRAs ) to block and remove any information from a consumers credit report that is the result of identity theft within four ( 4 ) business days of receiving an appropriate identity theft report and proof of the consumers identity. This statutory duty also requires CRAs to notify the furnisher of the fraudulent information to prevent it from being re-reported. 

Because of the delayed disclosure and failure to provide timely notice, my personal and financial security has been severely compromised. I request that the CFPB investigate these violations, enforce compliance with the FCRA, and ensure that CRAs and data furnishers fulfill their obligations to block fraudulent information, notify affected consumers, and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

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
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: AL

Complaint narrative:
Starmark Financial keeps calling for XXXX XXXX and I have never had an account with them. XXXX disputed it and they wouldnt send any results back. I need this account removed from all credit bureaus as Starmark Financial aka 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 2025-09-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am disputing the way PNC BANK CARD SERVICES is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, PNC BANK CARD SERVICES, with account XXXX XXXX XXXX XXXX XXXX XXXX  reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation