vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ). 

XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$4800.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2700.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$130.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$3500.00}

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 2025-07-23 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 am writing to formally notify you that I am a victim of identity theft and to request, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ). 

XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$4800.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2700.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$130.00} XXXX XXXX  XXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$3500.00}

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 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ). 

XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$4800.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2700.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$130.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$2100.00} XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Balance : {$3500.00}

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 is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Dispute Against Portfolio Recovery Request for Immediate Deletion of Invalid Collection Account To the Consumer Financial Protection Bureau, I am filing this formal complaint against Portfolio Recovery, a third-party debt collection agency that has reported a collection account on my credit report. I dispute the validity of this debt and request an immediate investigation and deletion based on the following consumer protection laws : Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 1. Lack of Proper Validation : Portfolio Recovery has failed to provide full validation of the alleged debt as required under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ). No signed contract, itemized billing statement, or chain of title has been provided to prove ownership of the debt or the legitimacy of the amount claimed. 2. Reporting Inaccurate Information : Portfolio Recovery is furnishing derogatory information to the credit reporting agencies without verified evidence, which is a violation of FCRA Section 1681i ( a ). This entry is causing material harm to my credit profile without verified legal standing. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 1. Unfair or Deceptive Collection Practices : Portfolio Recovery has failed to verify the debt before continuing collection efforts and reporting to CRAs, violating FDCPA Section 1692e ( 8 ) ( communicating false credit information ). 2. Failure to Cease Collection After Dispute : Under FDCPA 1692g ( b ), collection activity must cease until debt validation is provided. Portfolio Recovery has continued reporting despite no sufficient proof of the debt being furnished. Relief Requested : In light of the above violations, I respectfully request that the CFPB : Investigate this matter and compel Portfolio Recovery to provide full validation. Delete the collection entry immediately from all credit reporting agencies if they can not validate the debt per federal standards. Impose any appropriate penalties or sanctions as necessary for non-compliance. I have requested this information over 30 days ago and I have not received anything from the company and they not only continue to report, but also update remarks with the bureaus. Please confirm receipt of this dispute and inform me of any updates regarding this investigation. I appreciate your assistance in enforcing my rights under federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This is regarding Claim XXXX XXXXXXXX, a dispute I filed with Capital One on XX/XX/XXXX, due to my debit card being used for fraudulent and unauthorized transactions. For the amounts of : {$320.00}, {$300.00}, and {$30.00} from the merchant called " XXXX XXXX '' And the amount of {$1100.00} from a merchant called " XXXX. '' All of these charges took place on XX/XX/XXXX, and XXXX in XXXX On XX/XX/XXXX I noticed our Capital One checking account was in the negative so I immediately investigated the transactions. I found the XXXX unfamiliar amounts and immediately called Capital One to dispute the charges made using my debit card number. Capital One immediately closed my card and issued a new one. I recently received an email stating my dispute with Capital One was DENIED. And they put the charges back on my account. This is UNACCEPTABLE as I have nothing to do with those merchants and their charges. I have XXXX transactions or evidence that I have anything to do with them. My identity was stolen as there have been a few companies ( XXXX ) that have had data breaches, and we received notice. My information and AI was used to make purchases from the vendors and then transferred those purchases to a foreign account that is not mine. I have had to secure a new driver 's license and file with identity protection. It is WRONG and UNACCEPTABLE of Capital One to take sides with merchants who aid and allow hackers and scammers with stealing a customer 's identity and debit card information to make foreign transactions. They should always be aware of scammers using AI and other methods to impersonate and make fake accounts in people 's names to complete fraudulent transactions. Capital One is in breach of their Cardholder Protection Clause involving a cardholder 's card being used for fraud and unauthorized purchases. I DISAGREE with the denied dispute claim and want to escalate it further as I have nothing to do with the merchants listed above and the products they offer.

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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine

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: Mortgage — VA 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage responded to my goodwill adjustment request by stating that the delinquencies reported for XXXX through XX/XX/year> are accurate. They acknowledged that my forbearance plan did not begin until XX/XX/year>, and therefore declined to remove or adjust the late payment information for the prior months. 

They further stated that under the Fair Credit Reporting Act ( FCRA ), they are required to furnish accurate credit data and that they do not make courtesy adjustments or facilitate credit restoration based on goodwill or extenuating circumstances. 

I respectfully disagree with their decision. I contacted Freedom Mortgage in XXXX XXXX before my account became delinquentto request assistance due to a known hardship. My intent was to avoid late payments altogether, but the help I needed was delayed until XX/XX/year>, after the damage to my credit had already occurred. 

Despite the technical accuracy of the late reporting, I believe it fails to reflect the full picture of my situation, including my early outreach and good-faith effort to resolve the matter. I resumed payments in XX/XX/year> and have remained current since. I am requesting that the CFPB review this case and encourage Freedom Mortgage to reconsider a goodwill adjustment under these specific circumstances.

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: 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was unaware of these inquiries, which appear to be unauthorized and possibly fraudulent. Please investigate and resolve this issue promptly. Relevant documentation is enclosed.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In Violation of FCRA 15 U.S.C. 1681b and Related Sections

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: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern, I am filing a formal complaint regarding my recent experience with Bank of America concerning a disputed transaction that was clearly the result of fraud. 

On XX/XX/year>, I made a credit card XXXX XXXX XXXXXXXX payment in the amount of {$290.00} to a website that falsely presented itself as a legitimate investment or betting platform " XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The platform promised returns and claimed to manage funds on my behalf. After transferring the money, I received no services and was unable to withdraw my funds. It became clear that this was a scam operation. 

I submitted a dispute to Bank of America and provided supporting evidence, including screenshots of the fraudulent website, communications, and proof that I did not receive the promised services. Despite this, my dispute was denied without a thorough investigation. I believe this decision was made without proper review of the materials I provided and without recognizing the nature of the fraudulent activity. 

This was not a case of buyer 's remorse, nor was it a transaction involving normal business risk. I was deliberately deceived and misled into transferring money under false pretenses. I am now requesting a full reinvestigation of my case. 

Please find attached any additional documents I can provide. I would appreciate your assistance in ensuring that Bank of America reconsiders the dispute and handles the case according to Regulation Z and applicable consumer protection laws. 

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry is unauthorized and I demand that it be removed under FCRA 1681i ( a ). Provide full documentation proving permissible purpose. If none exists, this must be deleted.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This inquiry is unauthorized and I demand that it be removed under FCRA 1681i ( a ). Provide full documentation proving permissible purpose. If none exists, this must be deleted.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I ordered a gift card from vanilla gift card Visa and that card wasnt able to be used in those stores. It wasnt even able to be used online. Everything decline it and I reached out to them trying to get it fixed and get it resolved trying to see what the issue was because I couldnt even pay no bill with it and they had no answer for me so I asked for a refund and its been XXXX months down the line now, and I have vocal recordings of our conversations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
mohela changed the account number in mid XXXX those payments are not showing under under the new mohela account number. we sent mohela proof of payment that shows their complete previous account number from my XXXX  XXXX XXXX checking account ; and mohela still has not found those payments and apply to the new mohela account number. we asked for copy of all our payments. nothing has been done today. we continue to make payments. never missed a payment. this is causing extreme stress and desperation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: MI

Complaint narrative:
A debt collector called two family members and asked where I work and for my personal contact information. This violates my privacy under the FDCPA. The collector did not identify their company and did not have permission to contact this person in that manner. Im requesting an investigation and official documentation of this incident. Here name was XXXX.

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:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n1681c-2) that you, the Equifax Information Services , block information appearing on my\nconsumer credit report that is the result of identity theft and fraud within 4 business days of\nyou receiving this complaint. The following items do not belong to me and is a result of fraud\nthat I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXINQUIRIES:XXXX   Date: XXXX   Date: XXXX  Date: 1XXXX 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 non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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