vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX receive a XXXX party check for escrow overage from Bank of America for XXXX requested a XXXX single person check was denied due to both names on mortgage account explained in numerous detail about other party has XXXX to do with house since XXXX I was never given the option for boa to pay school tax which was due at end of month which I paid for with monies from my own account I have shown proof to XXXX attorney general XXXX who has acted as a mediator in this process boa response was to have me fax XXXX bank statements to them at number they provided but as I attempted to contact BOA several times to explain to them that my bank statements doesn't include the information they were looking for in order to verify my information and boa has yet to return my calls after I've left XXXX messages with the person who they gave me as a contact? Boa continues to hold onto my XXXX dollars in escrow overage

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 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX To : Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX Subject : URGENT IDENTITY THEFT DISPUTE & FRAUDULENT ACCOUNT REMOVAL DEMAND Action Required Within Four ( 4 ) Days Dear Equifax, I am writing to formally notify you that I am a victim of identity theft and to dispute multiple fraudulent accounts that have been reported on my credit file. These accounts were opened and used without my knowledge or consent, and I demand their immediate removal.

As a result of the massive XXXX  Equifax data breach, in which over 147 million Americans personal data was compromised, including Social Security numbers, birth dates, addresses, and more, I became a direct target of identity fraud. This breach, publicly confirmed by Equifax and addressed by the Federal Trade Commission ( FTC ) and the U.S. District Court for the Northern District of XXXX  in FTC v. Equifax Inc., Case No. 1:19-mi-99999, led to widespread consumer damage, and I am among the many victims who suffered serious consequences. 

Following this breach : Equifax settled for up to {$700.00} XXXX to compensate victims, proving the extent and acknowledgment of harm. 
Millions of consumers, including myself, experienced identity theft, false accounts, and ruined credit scores.

Legal findings confirmed Equifaxs failure to maintain reasonable security standards under the Fair Credit Reporting Act ( FCRA ).

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my legal right to demand an immediate and full investigation into these accounts. I have no contractual agreement or legitimate relationship with the entities associated with these fraudulent accounts, and I deny any liability.

DEMAND FOR ACTION : I formally request the following : 1. Immediate deletion of all accounts and inquiries identified as fraudulent.

2. Blocking of any further reporting of these fraudulent items, as provided under FCRA 605B.

3. Written confirmation of removal and investigation results within FOUR ( 4 ) calendar days of receipt of this letter.

Failure to act within this timeframe may constitute a willful violation of federal law and could lead to legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and the Florida Attorney General.

Enclosed are the following supporting documents : Copy of my government-issued ID Proof of address [ Optional : Police Report or FTC Identity Theft Report ] Please consider this letter a formal notice under all applicable federal and state consumer protection laws. I will not tolerate further damage to my personal and financial well-being due to a failure to properly address this matter.

I expect a swift and lawful response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I cant cancel my experian account I tried to cancel the service several times but they still charge me for over XXXX  years.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
Fraudulent Collection Account Request for Blocking per FCRA 605B Dear CFPB, I am writing to formally dispute and request the immediate blocking and removal of a fraudulent collection account that has been reported on my credit report. This account does not belong to me and was opened without my knowledge, authorization, or consent. I am a victim of identity theft, and pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am requesting that you take immediate action to block the reporting of this account. 
Details of the Fraudulent Account : XXXX XXXX Name : Radius Global Solution Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00}

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
A company called XXXX purchased my sprint account in the amount of XXXX without my consent and it reported to my credit XX/XX/year> and now XXXX XXXX XXXX is reporting it again and according to FCRA-15 U.S CODE 1681 ( b ) that is a violation

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A company called XXXX purchased my XXXX  account in the amount of XXXX without my consent and it reported to my credit XX/XX/year> and now XXXX XXXX XXXX is reporting it again and according to FCRA-15 U.S CODE 1681 ( b ) that is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX  at XXXX XXXX in XXXX, PA, per USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX  . This correspondence requested prompt investigation and correction or deletion of the following accounts:\n\n XXXX XXXX - XXXX (account # XXXX)\n XXXX  - XXXX (account # XXXX)\n\nAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am writing in response to a letter received from your office dated XX/XX/year> regarding an alleged debt. Please be advised that I am requesting the validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The reference number is XXXX I do not acknowledge this debt and request the following information : The name and address of the original creditor The original amount of the debt A complete payment history, including any interest, fees, or charges added A copy of the original contract or agreement bearing my signature Proof that you are authorized to collect this debt, including your license number ( if required in my state ) How the debt was obtained and change of title if applicable Proof debt validation letter or notice was sent to my address on file with proof of delivery Please cease all collection activities and communication until this debt has been validated as required by law. If you fail to validate the debt, or continue to pursue collection without providing the requested information, you will be in violation of the FDCPA and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and/or seek legal counsel. 

I request that all future communication be in writing only. 

Thank you for your cooperation.

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 2025-08-04 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:
There are alot of negative accounts that are inaccurate please investigate

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are alot of negative accounts that are inaccurate please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel violated, this has affected me tremendously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have reported fraud on XX/XX/XXXX and was told they could not do anything accept put a hard stop on my data. I was told someone would reach out to me and they didnt. On XX/XX/XXXX I received a welcome to Chase wealth management email. I also received an email regarding XXXX XXXX XXXX accessing my chase account. I called the fraud department this morning and they said there was no hold on my account. Also, I called XXXX offices and they lied to me about contacting me. I have sent emails with no response from anyone including the XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
In accordance withe the Fair Credit Reporting ( FCRA ) 15U.S code 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S code 1692g I have submitted a written debt validation request to all 3 of these companies and they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
In accordance withe the Fair Credit Reporting ( FCRA ) 15U.S code 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S code 1692g I have submitted a written debt validation request to all 3 of these companies and they have yet to respond

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 2025-08-04 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: NC

Complaint narrative:
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 XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 2025-08-04 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: NC

Complaint narrative:
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 XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 response to consumer: Closed with non-monetary relief