vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Final Notice Cease and Desist Demand Regarding Fraudulent Account Ending in XXXX This complaint service as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) that Bank of America immediately cease all communications with me regarding account ending in XXXX, as well as any. I am the victim of identity theft and fraudulent charges associated with this account. I have repeatedly informed Bank of America that : The charges are not mine and were the result of unauthorized activity. 
I have submitted a police report, an FTC Identity Theft Report, and supporting documentation confirming the fraud. 
I have made multiple phone calls, sent emails, and filed three separate complaints through the Consumer Financial Protection Bureau ( CFPB ) portal.

Despite this, I continue to receive harassing emails and letters, most recently on XX/XX/year>, attempting to collect on a fraudulent and disputed debt. 

This repeated communication is in violation of the FDCPA ( 15 U.S.C. 1692c ( c ) ), which gives me the right to request that a creditor or collector cease contact after a written demand. Additionally, failure to accurately report or investigate this fraudulent account may constitute a violation of the FCRA.

I am formally demanding the following : 1. Cease all communication with me regarding this account immediately.

2. Cease any collection activities and remove this account from any internal or external collection efforts.

3. Provide written confirmation that the matter is closed and that no further action will be taken.

4. If this account is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2. 

If you continue to contact me or pursue this fraudulent debt, I will be forced to take legal action, including but not limited to reporting this matter to the Federal Trade Commission, the CFPB, and pursuing damages in accordance with federal law. 

Let this letter serve as final notice. Failure to comply will result in immediate escalation. 

Sincerely, 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 2025-07-23 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
There is a fraudulent credit card account ending in XXXX from XXXX XXXX on my credit report. This is not my account. I am a victim of identity theft and have an Identity Theft Report with FTC. I request to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : PROPERTY RECEIVABLES CORP Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account number : XXXX  Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, GA XXXX Dear PROPERTY RECEIVABLES CORP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MN

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 2025-07-23 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: IA

Complaint narrative:
Filed a dispute asking Experian to update account as paid in full about a week later Experian got back to me stating that the account is reporting correctly with a balance due of {$86.00}. I provide experian with a payoff letter and Experian stated that they still could not update account.

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 2025-07-23 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-23 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( ii ) promptly notify the furnisher of that information I am requesting that the following inaccurate or unverifiable accounts be deleted from my credit file immediately : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  Balance : {$420.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  Balance : {$1000.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 
Balance : {$690.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$630.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$280.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( Charged off {$490.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX Balance : {$0.00} ( Transferred, {$1000.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( 32 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00} ( 4 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( XXXX late payments ) Account Number : XXXX Opened : XX/XX/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 2025-07-23 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( ii ) promptly notify the furnisher of that information I am requesting that the following inaccurate or unverifiable accounts be deleted from my credit file immediately : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  Balance : {$420.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  Balance : {$1000.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 
Balance : {$690.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$630.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$280.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( Charged off {$490.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX Balance : {$0.00} ( Transferred, {$1000.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( 32 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00} ( 4 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( XXXX late payments ) Account Number : XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Add a {$25000.00} credit limit on my Chase card sapphire the limits were changed without notification to {$11000.00}. Im on vacation trying to use my card stuck in another city. I called Chase. They will not raise my credit limit. There was no reason in changing it. I make my payments on time. Theres no negative inquiries on my credit report and they couldnt actually explain why they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: WA

Complaint narrative:
Applied for Loan modification XX/XX/XXXXXXXX  after getting behind due to my son 's XXXX. XXXX was XXXX  weeks and my wife did not qualify for XXXX due to being at her employer less than 1 year. 
Did not hear about or get approved for any sort of help until XX/XX/XXXX. 
We were put on a payment plan for XXXX, XXXX, XX/XX/XXXX. 
Made XXXX payment on time, Tried to pay XXXX 's payment on XX/XX/XXXX but the website would not allow me to make the payment online, I immediately sent an email to them requesting help. Called monday XX/XX/XXXX to pay the payment and was told they DO NOT take payments over the weekend and now that it is XXXX they would not allow me to pay and told me they could not help. 
Applied AGAIN for assistance XX/XX/XXXX via email and sent to the email XXXX and received confirmation from that email that documents were received. 
I called their office on XX/XX/XXXX and confirmed that they had received the documents however they were being processed and we would not know any information until they were fully processed. 
Called their office again for an update on XX/XX/XXXX and was told they had never received the documents and would need to send to loss mitigation. 
Resent the email she gave me on that same day XX/XX/XXXX and also told her we would be interested in trying to get a 401k loan just to get us current and to resume payments. She said she would make note on the account and would be informed once they make a decision. 
Now today XX/XX/XXXX we called for the exact amount for the loan, and was told we were already sent into foreclosure as of XX/XX/XXXX and all contact would be through the attorneys office which is XXXX XXXX XXXX. We have called twice and also asked Loancare for the reinstatement quote and have been denied getting that information. We were never informed we were being sent to foreclosure!

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 2025-07-23 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:
I've provided proof multiple times including police reports to Experian, EQUIFAX, and TRANSUNION including my ID and SSN card to prove my identity and that these accounts do not belong to me this is my third and FINAL TIME asking for these items to be removed. They are sending me letters asking for me to mail my ID and SSN card on a piece of paper to mail to them which I refuse because it is not safe due to me already having my identity stolen and me providing my ID and SSN to the cfpb to prove my identity. If they do not permanently remove this information from my credit report or send me documentation showing proof that I opened these accounts showing my ID or me signing up for these accounts I will be taking legal action immediately. My lawyer has already filed a compliant with all of the companies involved as well as. Failure to comply with the FCRA can expose CRAs and furnishers to legal and financial consequences. Consumers can seek damages when a CRA negligently or willfully disregards its obligations. Willful violations can result in statutory damages ranging from {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees.

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 2025-07-23 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 recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and its hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and its hindering my ability to obtain credit.

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 2025-07-23 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumer reporting agencies like Equifax and Experian are required to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the legal right to control the use and disclosure of my personal and financial information.

Pursuant to 15 U.S. Code 6801 and 6802, financial institutions ( or furnishers of information ) must safeguard nonpublic personal information and may not share it with third partiesincluding credit bureauswithout providing the consumer a clear notice and the opportunity to opt out. I was never given such notice, nor did I give consent to share my information.

Under 15 U.S. Code 1681b ( 604 ), a consumer report may only be furnished with the written instructions of the consumer. I have not provided written consent to Equifax, Experian, or any furnisher of information. Any consent, past or presentwritten, implied, or verbalis hereby revoked.

Additionally, in cases of identity theft or fraud, the FCRA provides consumers with specific protections. Under 15 U.S. Code 1681c-1, consumers have the right to place a fraud alert or extended fraud alert on their credit files. Under 1681c-2, a consumer may request the blocking of information resulting from identity theft from their credit report. Once notified, a credit reporting agency must block such information within four business days and may not report it further unless there is proof it was accurate.

If any information on my credit report is the result of identity theft or fraudulent activity, reporting it violates my rights under these provisions. Failing to investigate and correct such reporting constitutes a direct violation of federal law. 

These actions represent a serious breach of my rights under the FCRA, including unauthorized access, inaccurate reporting, failure to notify, and mishandling of personal information linked to potential fraud or identity theft.

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