vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: TX

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 2025-08-08 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Re : Cease and Desist FDCPA, 15 U.S.C. 1692c ( c ) Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt associated with account/reference number [ Account Number ].

This notice means you are not to contact me, my family, my employer, or any third party in connection with this debt, except as allowed by law namely, to confirm you will cease communications or to notify me of specific legal action you intend to take. 

Any further contact beyond what is permitted will be considered a violation of federal law and may result in legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I have an account with Credit Karma I have been hacked twice. I filed a dispute and on XXXX  XXXX XXXX that my account was hacked for XXXX dollars almost. Then XX/XX/XXXX after my dispute is returned it was immediately taken in XXXX XXXX for almost XXXX. This is very sad I msg be homeless due to this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: NC

Complaint narrative:
violation of rights, trading my personal information for profit and identity theft

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

Complaint narrative:
I am disputing the reporting of a late payment on my credit file that I believe to be inaccurate. I have never submitted a late payment on this account, and this entry is unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I Filed Bankruptcy, Cleared all my debts I didnt do anything illegal or miss use, Im a Victim of Discrimination with Navy Federal I discovered this same action has been done with a Former Employee different XXXX With now have there account back open and a credit card started a new relationship with the bank as for me and different XXXX, I keep getting denied as my credit is better as she said, she also wrote a statement for me because this is wrong and discrimination, Also in XX/XX/year> The company XXXX a XXXX party legally recorded and listen to us customers conversation which is illegal, There where also in the Data Breach, Navy Federal isnt being fair to my me due to my family ( Grandfather ) ( great grandfather ) Uncles ) who served and Died for our Country. 
I really feel this is a discrimination against me from opening up my account again, Ive sent over everything I need to be approved for service,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute and request the removal of a recent late payment reported on my credit report regarding my Bank of America credit card account. I have been a loyal Bank of America customer for over five years, maintaining a positive history with no prior late payments.

The reported late payment occurred during a period when I was extremely ill and under medical care. I had informed Bank of America of my circumstances and my inability to fulfill certain financial obligations while I was focused on my recovery. Unfortunately, my request for understanding and accommodation was met with no compassion, which I feel is inconsistent with Bank of Americas stated commitment to customer care.

Bank of Americas Consumer Promise emphasizes building trust, providing value, and helping customers succeed financially. It also speaks to loyalty and long-term relationships. However, in my case, these principles were not upheld. A single late payment, caused solely by a documented medical hardship, should be a valid reason for goodwill forgivenessespecially when the customer has a strong payment history and a record of responsible account management.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account.

The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

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 2025-08-08 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: GA

Complaint narrative:
I am filing this complaint against Equifax for the continued inaccurate and unlawful reporting of a XXXX  XXXX Bankruptcy on my credit file. The bankruptcy is being reported without adequate verification and in violation of federal law and privacy protections. 

1. Rule 9037 of the Federal Rules of Bankruptcy Procedure Under Rule 9037, the court is prohibited from disclosing personal identifiers ( such as Social Security Numbers ) in public records. Therefore, Equifax can not legally verify the identity associated with the bankruptcy record through any permissible source, as the record lacks personally identifiable information. This makes the reporting unverifiable and violates accuracy standards under FCRA. 
2. 15 U.S. Code 1681a ( 4 ) The definition of a consumer report requires accuracy and completeness. Reporting unverifiable public records that do not contain identifying information violates this section, as the report misrepresents my credit standing. 
3. 15 U.S. Code 1681e ( b ) Equifax has failed to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. Since the bankruptcy court does not report directly to credit bureaus, and since third-party vendors may match records based on name or similar identifiers alone, this creates a high risk of mistaken identity and inaccurate reporting. I have not received any documentation proving Equifax verified the bankruptcy through a lawful and accurate source.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 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: PA

Complaint narrative:
I am requesting the permanent deletion of all inaccurate late payment entries for the following accounts, as they were always paid as agreed and no proper billing notice or payment due notification was provided : XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX To resolve this matter fairly and in compliance with federal law, I require that the credit bureau : Conduct a full reinvestigation with the furnishers to obtain documented proof that proper billing notices and due dates were sent before any late payment was reported.

Delete the disputed late payment entries if such proof can not be produced.

Provide a corrected credit report and written confirmation of the deletions within 15 business days.

This resolution is consistent with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), and 15 U.S.C. 1666B.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An unauthorized account has appeared on my credit report, despite the fact that I never applied for or initiated it. I did not give permission for my information to be used, and this entry is the result of fraudulent activity or a serious reporting error.

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

Complaint narrative:
I'm filing a complaint against Experian Credit for reporting negative information incorrect addresses, names, allowing companies to still report on my credit report while I'm protected under Federal Bankruptcy Law prohibited any information report on my credit while I'm in XXXX  XXXX Experian is reporting a address of XXXX XXXX XXXX XXXX, Alabama XXXX as my home address when my correct address is XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Also the have at least XXXX different names on my credit report when l asked them to remove them a Experian employee told names don't affect your credit I asked for all the names to be removed except for my real name XXXX is 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm filing a complaint against Experian Credit for reporting negative information incorrect addresses, names, allowing companies to still report on my credit report while I'm protected under Federal Bankruptcy Law prohibited any information report on my credit while I'm in XXXX  XXXX Experian is reporting a address of XXXX XXXX XXXX XXXX, Alabama XXXX as my home address when my correct address is XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Also the have at least XXXX different names on my credit report when l asked them to remove them a Experian employee told names don't affect your credit I asked for all the names to be removed except for my real name XXXX is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had received a call from a person impersonating an operator of my bank ( Navy federal credit union ) saying I had a fraudulent charge of XXXX $ Taken from my account. Confused and scared I continued to speak to this person as they gave me a representative number and even knew my info before giving him any information. This impersonator had gotten access to my debit card and was able to login into my mobile bank app and control everything, he was able to lock me out of my account change my passwords apply for a credit card and hide all my accounts from me. The impersonator had told me that he was locking down my account and deactivating my debit card when in reality he was stealing all my money from me, I went on to be on and off the phone for this guys for 8 days when I thought he was helping me unlock my bank account and help fix the original XXXX $ charge when really he was trying to get more ways to steal money from me. After 8 days of talking to the guy he told me to go into the bank and have them unlock my account for me which I come to find out that the whole time the man I was speaking too was the scammer. In total he had taken XXXX $ from me which was nearly all my money. I was at the bank for 3 hours setting up a new account, debit card and a claim filed. I was told that this claim was filed and that in 7-10 days my money would come back into my account more than likely. As far as the credit card that was applied for and used under my name I was told that my social security number was fine and that they would remove this person from spending more money on this card and they would de activate it which they did not until I called asking about it a day later. On that same call I was told that my social security number was in fact not safe and they had managed to get my address DOB and SSN. I was also told that my claim filed by one of the bank members has been received and now its between 60-120 days that my claim would be reviewed and its a 50 % chance if I were to get my money back. I didnt give my card info to anyone nor did I give the guy on the phone any information regarding to my bank. He had already gotten inside my banking app and had access to anything he wanted and removed me as a user. I am a college kid who worked 3 years to get that money and I did nothing wrong to have this money stolen from me and Ive been lied to by my bank and am unsure if I will be getting my money back. I now have identify theft and have to file a police report get a new ssn and a whole bunch of other stuff. I just want real help on this and real answers. Every time I call in or go in I am told to wait as they are processing everything but no work is being done.

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 2025-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
violation of my rights, using my personal information for profit and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Chex System has failed to fulfill its legal obligation under the fair credit reporting ACT ( FCRA ) to conduct a reasonable reinvention of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against check system alleging systemic issues, such as falling to forward consumer provided evidence to furnishes accepting unreliable responses and falling to adequately notify consumers of dispute outcomes these failures align with my experience with check system has neither corrected not removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediately corrective action to resolve and remove or amended the disputed accounts as check System and accurate, violates federal laws and my rights as a consumer.

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