vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was trying to travel overseas with XXXX XXXX and i purchased extra weight for me and my wife and then the guy working in the counter said you have to remove few stuff to the other bag and he had an argument with my wife cause she said she cant move them then i said you know what ill also pay for that and my wife said no we shouldnt we already did i was trying to just end that and i asked to pay then he said you guys know what you are not gon na fly today imma keep you here i start talking to him like come on man she is just frustrated from the trip he said no i tried to talk to his colleagues they were gon na help and he start to speak their own language then they said you know what we cant help you and i called police but when they arrived the plane was already gone a guy in the airport said that they may having overbooked trip so its easier to do that with the customers and you guys will ask for sure what proves you have i have all of that recorded on video and they start shouting on my wife not to record now i called my bank which is Bank of America right after to dispute the transaction they said okay give us 30 days and after they came back saying oh the airline company said you didnt show up to the airport then they said we have no proves i said i have a video for the whole incident literally the whole incident so they said we dont get videos send photos i did sent photos they said its not clear like what should i do more today they sent me a letter saying we cant do anything for you we have no proves after i reopen the case 3 times what no proves i have all the proof i called them more than 10 times they doesnt care at all about anything

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 2025-12-22 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: WI

Complaint narrative:
To whom it may concern : These accounts are fraudulent, these accounts are not mine/ I never opened these accounts/ I was a victim of identity theft. I filed a complaint with the Federal Trade Commission, and it is attached FTC Report Number : XXXX Delete/Block these accounts immediately. 
XXXX XXXX Account number XX/XX/XXXX - OPENED XXXX Status Account charged off. {$110.00} written off. {$56.00} past due as of XX/XX/XXXX. 
{$190.00} XXXX XXXX Account number XXXX XXXXXX/XX/XXXX - OPENED Status Paid, Closed. 
{$110.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$160.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$630.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$200.00} XXXX XXXX XXXX Account number XXXX Status Paid, Closed. 
XXXX Closed on XX/XX/XXXX Account info Account number XXXX These inquiries are unauthorized and fraudulent. Delete and block immediately XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5

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 2025-12-22 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute regarding several accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts I am disputing with the corresponding bureaus. Please investigate these entries and remove any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : DPT EDXXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} DPT ED/XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$520.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. 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 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I am formally disputing the accuracy and legality of the student loan account ( s ) listed below.

These accounts are more than 20 years old and are being reported with inaccurate and/or obsolete information in violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c ( a ), which limits the reporting of adverse information.

Specifically, the Date of First Delinquency appears to be inaccurately reported and/or unlawfully re-aged. I am requesting that you conduct a thorough reinvestigation and require the furnisher to provide competent evidence of the original Date of First Delinquency, complete payment history, and legally permissible reporting period.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was contacted by someone claiming to be a representative of my bank account company. Stated my account was being accessed by a third party and told me I had to transfer my funds to another reference number in order to create a new account. I was placed under distress being told My money would go away if I disconnected the call. After sending the money to the given reference number after I was convinced by my caller id showing my banks number, the call was dropped. When I called the number back, I was told that the call never took place. I filed two disputes and was denied being told that I initiated the transactions therefore they were valid and could not be disputed or reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Disputed for accuracy )

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing this account because it is not mine. I have never opened or authorized this account with LVNV Funding LLC XXXX Resurgent Capital Services. I have contacted the company and requested validation, including the original signed contract or agreement proving that I am responsible for this debt. To date, no documentation has been provided. This account is being reported on my credit report without my authorization, which is affecting my financial situation and creditworthiness. I am requesting a proper investigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and if the company can not provide documentation proving I am liable, this account should be deleted from all credit bureau reports ( XXXX XXXX XXXX  ) immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Inquiries : XXXX CARD Date : 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 explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 disputing the following information reported on my Equifax credit report. Please review the accounts and correct any inaccuracies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} AAFCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Inquiries [ No inquiries listed for Experian ] Late Payments XXXX XXXXXXXX Account Number : 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 2025-12-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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.

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 2025-12-22 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: LA

Complaint narrative:
am requesting that this fraudulent loan be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I request written confirmation that I am not financially responsible for this account. 



I am also requesting that any negative credit reporting related to this fraudulent loan be corrected or deleted with all credit reporting agencies, and that the lender cease any collection activity related to this account. 



Additionally, I request confirmation that my personal information has been secured to prevent further unauthorized use.

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 2025-12-22 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: LA

Complaint narrative:
am requesting that this fraudulent loan be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I request written confirmation that I am not financially responsible for this account. 



I am also requesting that any negative credit reporting related to this fraudulent loan be corrected or deleted with all credit reporting agencies, and that the lender cease any collection activity related to this account. 



Additionally, I request confirmation that my personal information has been secured to prevent further unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am a victim of XXXX XXXXt. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: ND

Complaint narrative:
I received initial communication for the alleged debt sometime around XX/XX/XXXX. I then legally disputed the alleged debt and requested full validation with a letter that I sent on XX/XX/XXXX, they received this on XX/XX/XXXX via certified mail. I then sent a Notice of default as an opportunity to cure on XX/XX/XXXX. This gave them until XX/XX/XXXX to comply in which they did not. I then sent a letter of intent to sue on XX/XX/XXXX. I got a response finally on XX/XX/XXXX ( they dated it on XX/XX/XXXX ) which was an attempt to validate the debt but it did not prove validity and did not have the supporting documents that were requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation