vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered multiple fraudulent accounts and hard inquiries that appeared on my credit reports in XXXX, XXXX, and XXXX of XXXX, and XXXX of XXXX. These accounts and inquiries were not authorized by me and are the result of identity theft. 

I submitted written disputes to Experian, TXXXX XXXX XXXX XXXXder 15 U.S.C. 1681c-2, which allows consumers to block fraudulent information resulting from identity theft without requiring a police report. I provided all supporting documentation, including proof of identity and address. 

Despite my valid dispute and documentation, the fraudulent accounts and inquiries remain on my credit reports, negatively impacting my credit standing. I am requesting that these items be promptly blocked and deleted in accordance with federal law. 

Experian Fraudulent Account : XXXX XXXX Account Number : XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered multiple fraudulent accounts and hard inquiries that appeared on my credit reports in XXXX, XXXX, and XXXX of XXXX, and XXXX of XXXX. These accounts and inquiries were not authorized by me and are the result of identity theft. 

I submitted written disputes to Experian, TXXXX XXXX XXXX XXXXder 15 U.S.C. 1681c-2, which allows consumers to block fraudulent information resulting from identity theft without requiring a police report. I provided all supporting documentation, including proof of identity and address. 

Despite my valid dispute and documentation, the fraudulent accounts and inquiries remain on my credit reports, negatively impacting my credit standing. I am requesting that these items be promptly blocked and deleted in accordance with federal law. 

Experian Fraudulent Account : XXXX XXXX Account Number : XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am writing to formally complain about the denial of my credit card application and my belief that this decision constitutes age discrimination, which is a violation of the Equal Credit Opportunity Act ( ECOA ). 

In XXXX, I applied for the XXXX  XXXX XXXX XXXX XXXX XXXX card using online application portal. On XX/XX/year>, I received notification that my application was denied, citing unable to verify identification. I have been a Bank of America customer for decades. Originally, I was told on the phone that I was approved. I talk to representatives many times. You send me a bill and provide my credit score every month. You identify me every every time I call on the phone.

I am XXXX XXXX XXXX and believe the decision was based on my age, not my financial qualifications. My application was strong, and I have : Excellent credit history, with a perfect credit score.

No history of delinquencies or late payments.

Reliable and sufficient income from pension and investments, which has been consistent for over 50 years.

Despite these factors, my application was denied, leading me to believe that my age was the deciding factor. The Equal Credit Opportunity Act prevents creditors from treating applicants less favorably based on their age, particularly by unfairly discounting income from sources common among older applicants, such as retirement benefits.

I am requesting a full re-evaluation of my application, giving proper consideration to my qualifications without regard to my age. Please provide a clear and specific explanation of the factors used in your credit scoring system that led to this decision.

If this issue is not resolved to my satisfaction, I will file a formal complaint with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ). The CFPB is responsible for enforcing the ECOA and protecting consumers from credit discrimination.

They denied my credit card because they said they couldnt identify me. However when I called they used my social security number to identify me. I also have had a credit card with them for 20 years and a perfect credit score.

I look forward to your prompt response and a fair resolution to this matter.

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 2025-10-16 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:
I am filing this complaint because Experian has failed to properly investigate and validate debt information reported on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I submitted a formal dispute to Experian regarding several accounts that I believe are inaccurate, unverifiable, or obsolete. Despite my request for validation, Experian marked the items as verified without providing any supporting documentation from the original creditor or debt collector. I was not mailed or provided any evidence, contracts, account statements, or signed documentation proving that the alleged debts are valid and that I am legally responsible for them.

Under the FCRA, Experian is required to : Conduct a reasonable reinvestigation within 30 days ( 1681i ( a ) ( 1 ) ( A ) ).

Delete or correct any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

Provide me with a description of the verification process and the name and contact information of the furnisher ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Experians failure to provide proof of verification and continuing to report disputed debts violates my rights under the FCRA. I am requesting that the CFPB investigate Experians compliance with these laws and require them to : 1. Provide full documentation used to verify the disputed accounts.

2. Delete any unverifiable or inaccurate accounts from my credit report immediately.

3. Confirm that Experians investigation process meets the standards required by the FCRA.

The continued reporting of unverified debts has caused damage to my credit score, interfered with my ability to obtain credit, and resulted in emotional and financial distress.

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 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate
with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$8900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00}

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 2025-10-16 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: FL

Complaint narrative:
I am writing again regarding multiple inquiries that continue to appear on my credit report despite repeated disputes and no evidence of permissible authorization. This marks my fourth and final round of disputes, and I am demanding permanent removal of these inquiries not a correction or temporary update.

Over the past several months, I have consistently provided clear written communication asserting that these inquiries were made without my knowledge or consent, and yet they remain. This ongoing inaccuracy directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, verification, and permissible purpose in all credit-related reporting.

The following inquiries remain in dispute and must be permanently deleted : XXXX XXXX XXXXXXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX  Dated XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) Dated XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries has been previously challenged, and none of the entities listed have provided any form of permissible purpose documentation or written authorization bearing my consent. Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit report may only be accessed when explicitly authorized or for a clearly permissible reason. Additionally, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain or use a consumer report under false pretenses.

Since no documentation has ever been provided validating these inquiries, they are unauthorized and must be permanently removed. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am invoking my right to have unverifiable and unauthorized information blocked and deleted from my report, and to ensure it does not reappear in the future.

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 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/XXXX to XXXX of XXXX, I spoke with a Best Buy representative requesting to cancel my credit card with the electronic big box store, XXXX XXXX. The Best Buy credit card ends in XXXX. They confirmed over the phone it was cancelled. 

On XX/XX/XXXX, Best Buy mails me a credit card account statement of the cancelled credit card from last year, XXXX. They are charging me an annual fee of {$54.00}. Payment was due, XX/XX/XXXX. They also are charging me a late fee of up to {$41.00}. 

Tuesday, XX/XX/XXXX and XXXX, XXXX I've tried calling the phone numbers listed on the statement, XXXX and XXXX. You can't speak with anyone. I've also tried going online, XXXX, with no avenue to submit an inquiry online. They don't have an email address for their customers.

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 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Bloomingdale 's credit card since XXXX  and have made payments on balances owed ever since. In the past year I changed my payment source from XXXXXXXX XXXX XXXXo my business checking account at XXXX  checking. Found was then sold to XXXX XXXX  which caused transactions to be impacted. However, any returned payments were reconciled. Bloomingdales made the decision to close my account despite payments being made albeit corrected. Attached are the payment history over the past 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my XXXX XXXX account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation. Under 15 USC 1681s-2 ( a ) furnitures must report accurate information under 15 USC 1681i . The credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Arbor Professional Solutions XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Dear Arbor Professional Solutions, This letter is in response to your communication dated XX/XX/XXXX, regarding an alleged debt. 
I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 
This is not a refusal to pay, but a demand for validation made pursuant to my rights under federal law. Until you provide the information requested below, you must cease all collection activities, including reporting this debt to credit bureaus. 
Please provide me with the following information and documentation concerning this alleged debt : The total amount of the debt, including any fees or interest. 
The name and address of the original creditor. 
Documentation proving that I am legally obligated to pay this debt, such as a copy of the original contract or agreement bearing my signature. 
A copy of any judgment, if applicable. 
The date the alleged debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Your license to collect debts in my state. 
If you have already reported this debt to any credit reporting agency, you must inform them that the debt is disputed. Reporting or failing to correct inaccurate information may violate the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. I expect a response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had a great standing PayPal account without any issues then all of the sudden I received a strange email asking me for information to provide by XX/XX/XXXX to sum web link that didn't list absolutely anything to give or support their restrictions. They just permanently restricted my account for absolutely no reason holding all my viable Federal information. I even explain that no previous accounts belonged to me and proved thus with a Federal Trade Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: IL

Complaint narrative:
I am filing this complaint because Revco Solutions continues to send me collection letters for a medical bill that should have been written off by the medical provider. 

The date of service was covered by my valid health insurance, but the provider never submitted the claim to my insurance company. My insurance confirmed multiple times that they never received the claim and, due to the providers delay, it is now past the filing deadline. My insurance company sent me a written statement confirming that the claim must be written off and that I am not responsible for this balance. 

Despite this, Revco Solutions continues to contact me regarding the debt. I have already sent them proof of insurance and the letter from my insurance company, yet they keep sending collection notices. 

I am requesting that this account be removed from collections immediately, that all collection activity stop, and that this issue not be reported to any credit bureau, as the debt is not valid and resulted from the providers billing error, not my fault. 

I can provide copies of my insurance letter and prior communications with Revco Solutions upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
Dear JPMorgan Chase XXXX XXXX, I am writing to demand the immediate return of funds illegally seized from my Chase checking account. I am a veteran residing in the XXXX, unable to use your toll-free lines, making this my primary channel for resolution. 

My account, XXXX XXXXXXXX, received a protected Veterans Administration benefit deposit of {$1400.00} on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ). This is a VA reimbursement, protected from creditor XXXX under federal law 38 U.S.C. 5301 ( a ). 

Despite this protection, Chase has taken XXXX actions : XXXX. On XX/XX/XXXX, you assessed a " XXXX XXXX XXXX '' of {$100.00} against these protected funds. 
XXXX. On XX/XX/XXXX, you seized the entire remaining balance of {$1400.00}. 

This has left me with a XXXX balance. These actions are a direct violation of federal law protecting VA benefits. 

I request that you : XXXX. Immediately return the full {$1500.00} ( {$100.00} + {$1400.00} ) to my account. 
XXXX. Cease all further collection activity against this account. 
XXXX. Provide me with written confirmation that this has been resolved. 

This matter requires your urgent attention. Thank you for your immediate action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation