vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA section code 605 B ( 15 USC code 1681-C-2 ) that you, the TransUnion credit reporting agency, Experian and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto loan through XXXX XXXX  on XX/XX/XXXX for the amount of {$36000.00}, XXXX XXXX open XX/XX/XXXX in the amount of {$4200.00} a medical bill. XXXX, Opened XX/XX/XXXX in the amount of {$1900.00} medical bill, XXXX XXXX opened XX/XX/XXXX in the amount of {$900.00}, XXXX XXXX opened XX/XX/XXXX in the amount of {$5000.00} showing as a charge off.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer fico credit report maintained by you which shows the aforementioned fraudulent items 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. I have attached a copy of FTC identity theft criminal complaint number # XXXX As proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-08-13 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: NV

Complaint narrative:
I am filing this complaint against [ Experian / Equifax / TransUnion ] for willfully reporting a prohibited medical debt in violation of the CFPBs April 11, 2025 Final Rule ( Prohibition of Medical Debt in Credit Reporting ). 

On [ XX/XX/year> ], I disputed these medical collections with all three bureaus. I provided clear evidence that these accounts are medical in nature and therefore prohibited from being reported under 12 C.F.R. Part 1022 as amended by the CFPBs XX/XX/year> rule. All three bureaus verified the accounts and refused to delete them. 

The continued reporting of medical debt after the effective date of the rule is a direct violation of federal law and constitutes a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681n ).

I am requesting : 1. Immediate deletion of the medical debts from my credit files.

2. Written confirmation that these accounts will be permanently suppressed from reporting.

3. Enforcement action by the CFPB for willful non-compliance.

Attachments include my current credit reports from all three bureaus, proof of my disputes, and the bureaus denial responses.

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 2025-08-13 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: NV

Complaint narrative:
I am filing this complaint against [ Experian / Equifax / TransUnion ] for willfully reporting a prohibited medical debt in violation of the CFPBs April 11, 2025 Final Rule ( Prohibition of Medical Debt in Credit Reporting ). 

On [ XX/XX/year> ], I disputed these medical collections with all three bureaus. I provided clear evidence that these accounts are medical in nature and therefore prohibited from being reported under 12 C.F.R. Part 1022 as amended by the CFPBs XX/XX/year> rule. All three bureaus verified the accounts and refused to delete them. 

The continued reporting of medical debt after the effective date of the rule is a direct violation of federal law and constitutes a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681n ).

I am requesting : 1. Immediate deletion of the medical debts from my credit files.

2. Written confirmation that these accounts will be permanently suppressed from reporting.

3. Enforcement action by the CFPB for willful non-compliance.

Attachments include my current credit reports from all three bureaus, proof of my disputes, and the bureaus denial responses.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America regarding multiple unresolved issues that have caused me significant financial harm and distress. 

1. Unauthorized Transfer of Funds to Overdrawn Account Bank of America transferred funds from my account to another account that was overdrawn and in a charged-off status without my authorization. I do not have overdraft protection or any agreement that allows the bank to make such transfers. This unauthorized transfer resulted in a scheduled payment being returned, additional fees, and credit reporting being charged and financially harmed. 

When I requested documentation of the internal policy that supposedly permits these transfers, Bank of America failed to provide any written evidence. They referred me to their terms and conditions but refused to provide a copy of the agreement I signed when opening my account unless I physically visit a local branch, which is unreasonable and inconvenient. Despite my repeated requests, I have not received adequate or clear information explaining their actions or the policy. 

They mentioned I have until XX/XX/XXXX to make a deposit to stop my account from getting closed. I have a scheduled deposit XX/XX/year>, to be posted within 1-3 business days to show my good faith in bringing my account current after my claim credits were reversed unexpectedly. 

2. Unexplained Partial Credit of {$100.00} on a {$2000.00} Claim Additionally, I submitted a claim with Bank of America totaling {$2000.00}. However, it was stipulated that I would be credited {$100.00} without any clear explanation or adequate information as to why the full amount was not credited. Till this day, I have not received the promised {$100.00} credit. Attempts to obtain clarification on this partial credit have been unsuccessful, further adding to my frustration and financial hardship. 

Please investigate these matters. I am seeking fair resolution and accountability from Bank of America for this continuous run around with their customer service. I have been a client for over 12 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date XX/XX/year> Subject : Request for Verification and Formal Dispute of Student Loan Account ( s ) To Whom It May Concern, I am formally disputing the accuracy and validity of certain student loan accounts being reported under my name and requesting verification pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( if applicable ) Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Consumer Financial Protection Act, 12 U.S.C. 5531 et seq.

Disputed Account ( s ) 1 : Department of EducationXXXX XXXX . U.S. Dept EdXXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX The reporting furnisher/servicer has not provided complete, accurate, and verifiable documentation showing the legal ownership, transfer history, and enforceable contract for these loans. 

Under FERPA, I request disclosure of any and all educational records, promissory notes, disbursement records, and related documentation containing my personally identifiable information.

The reporting contains inaccurate, incomplete, or unverifiable information that may be adversely affecting my credit standing.

No complete payment history or proof of lawful servicing transfer has been provided to substantiate the reported balances and status. 

Requested Action : I am requesting and for Equifax, Experian and Transunion to Provide a copy of the original signed promissory note ( s ) and all subsequent servicing/transfer records.

Provide disbursement records showing funds were disbursed to me or on my behalf. 

Remove any unverifiable or inaccurate student loan information from my credit file. 

Provide the name, address, and contact information of the current holder of the debt. 

Please note : If the requested information can not be verified within the timeframes established under the FCRA and FERPA, the disputed information must be deleted from my credit report and all data furnishers must be instructed to cease reporting the unverifiable information. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
hI, Delte itms on file ; Im victim of idenity theft and did not authrize. Clear the contents to corect my credit repot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
hI, Delte itms on file ; Im victim of idenity theft and did not authrize. Clear the contents to corect my credit repot.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-13 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which XXXX XXXX confirmed would be removed but remains on my report ; XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: TX

Complaint narrative:
I have been requesting a payment plan since XXXX and XXXX as well as attorneys office has completely ignored me and continue to add frivolous fees to my account. As of XXXX they have added over {$3000.00} worth of fees. I received an email from XXXX XXXX the paralegal stating they have been consistent with requesting an answer from HOA to provide an answer yet they continue to add these fees. I have inquired about practices and proof these are steps taken for all home owners as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am submitting this complaint due to an unauthorized credit inquiry listed on my Equifax credit report. The inquiry by XXXX XXXX dated XX/XX/year> was made without my permission or consent. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), all credit inquiries must be authorized by the consumer before they are reported. Reporting unauthorized inquiries is a violation of this law and can unjustly harm my credit score and financial reputation.

Despite my efforts to dispute this inquiry with Equifax, it remains on my report without verification of my consent. This lack of proper investigation and failure to remove unauthorized inquiries undermines the accuracy of my credit report, violating the FCRAs requirements for accurate and fair reporting.

I request the Consumer Financial Protection Bureaus assistance to ensure Equifax thoroughly investigates this unauthorized inquiry, removes it if authorization can not be proven, and corrects my credit report accordingly. 

Thank you for your support in protecting my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated privacy and confidentiality under 15 usc 1681.

Acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX 15 u.s.c 1681 section 602 A : state I have right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer item of information any other adverse items of information other then records of conviction more then seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any one known 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 2025-08-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated privacy and confidentiality under 15 usc 1681.

Acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX 15 u.s.c 1681 section 602 A : state I have right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer item of information any other adverse items of information other then records of conviction more then seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any one known or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice. You have 4 days to remove them according to the law. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice. You have 4 days to remove them according to the law. See attached.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I have verified several inaccuracies on my credit report account. This unfair and causing damage to my credit it is my understanding that you will investigate theses items for me to ensure accuracy. Here is the item I am asking you to verify account name XXXX 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