vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I did and investigation on my credit report and found several items on there to be inaccurate. U.S. Code 1681b Section ( a ) any consumer agency may furnish a consumer report under the following circumstances and no other : Section ( 2 ) state In accordance with the written instructions of the consumer to whom it relates. So According to 18 U.S. Code 1028A Section ( 2 ) States Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 15 U.S. Code 6802 Obligations with respect to disclosures of personal information : Section ( 1 ) ( B ) states A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer agency prepares a consumer report, it shall follow the reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) any of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- i ) promptly delete that item of the information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deletes from the file of the consumer. PLEASE REMOVE THE FOLLOWING ITEMS FROM THE CREDIT REPORT, IMMEDIATELY : Equifax, Experian, TransUnion XXXX. XXXX XXXX XXXX XXXX Account Number:XXXX  Open/Closed : CLOSED Balance : {$26000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Open/Closed : CLOSED Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Open/Closed : CLOSED Balance : {$5700.00} Date Opened : XX/XX/XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

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 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I received the attached text message. 

A debt collection attempt from Capio Partners LLC for a debt with an XXXX, despite me never having been under anesthesia. 

When I called, they asked me if my name was XXXX and a last name I didnt catch. That is not even remotely my name. When the person on the other end asked me for MY name I told them there was no way I was giving them that information, and asked whos name they have for my number and why theyre sending me someone elses debt information and I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: SC

Complaint narrative:
I contacted wisely bank ( XXXX XXXX XXXX ) on XX/XX/year> about a fraudulent payment on my account that I noticed from XXXX in the Amount of XXXX. I was told to wait for the information to be sent by mail. The paperwork that I was told to send back didnt arrive till after the dispute was closed. It was finalized without my involvement. There was no due diligence or research provided on why it was denied. I am still requesting and waiting on the response. After calling I requested a redispute and a provisional refund under dispute and was told again to wait an additional 15 days its going on weeks without a provisional refund under. I am requesting my refund for the transaction and it be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan reported to my credit on XX/XX/year>XXXX  that I am late on payments but I never received a notification that I needed to pay. I was unemployed and now I am will to make the payment and this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A old high school teacher and her husband a police officer have gotten access to my bank account and are committing fraud. There names are XXXX and XXXX XXXX from XXXX XXXX  now currently living at XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They live in XXXX dollar houses and dont have the income to support that lifestyle. I knew it was them when I realized I was trusting information of phishing sites and called the bank and creditcard companies to print out everything during Coviid. XXXX showed up in a parking lot of somewhere I had an appointment trying to intimidate me. There was too many people and he left. I am a frugal person and the amount of money leaving my account is staggering. There are several checks with different handwriting and signatures on it. I tried going to the police but they are protecting one of their own XXXX is a corrupt cop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that 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 grant you an additional XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 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 promised that collection will be removed/deleted if full payment is made. Payment has been made but collection still on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 grant 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing formal dispute regarding inaccurate and fraudulent information still being reported by * * Bank of America * * on my credit report. This dispute is submitted pursuant to the * * Fair Credit Reporting Act ( FCRA ) * *, including * * Section 605B * *, which provides protections for victims of identity theft.

# # # * * Account Details : XXXX XXXX XXXX XXXX XXXX  Creditor * * : Bank of America XXXX XXXX XXXX  Account Type * * : Secured Card * * * Date Opened * * : XX/XX/XXXX * * * Status * * : Closed ( as of XX/XX/XXXXXXXX  ) XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX Credit Limit * * : \ {$400.00} XXXX XXXX XXXX Highest Balance XXXX XXXX XXXX \ {$1200.00} XXXX XXXX XXXX  Credit Usage * * : 218 % * * * Last Payment Date * * : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Responsibility * * : Individual No account number of identifying information is included. 

This account, secured credit card, is related to identity theft that occurred in XXXX. During that time, all of my Bank of America personal and business credit accounts were compromised but were immediately resolved with XXXX balances and no negative reporting except this secured credit card. Bank of America can look at their records to verify all accounts previously deemed as fraud. 
As part of my recovery, I previously submitted identity theft reports and police documentation. As a result, several other ( 4 ) fraudulent personal and business accounts were successfully corrected immediately prior to any credit reporting. This Bank of America account contained the same fraudulent merchants as those listed in my bank accounts deemed as fraud and I wasnt held liable. I have again attached a copy of the FTC Identity Theft Report with account listed.

The following discrepancies further support the need for a reinvestigation and removal. 


1. Balance on Closed Account - Despite the account being marked as closed, a balance of \ {$870.00} continues to report, which contradicts standard reporting practice for closed accounts.

2. Inconsistent Activity The reporting dates ( last payment date, balance updates, and account status changes ) conflict and are inconsistent with legitimate activity.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new credit card with Capital one in XXXX of XXXX. When I set up the account I put the account into XXXX and entered my bank account through the mobile App. 

In XXXX of XXXX  I made two payments towards my credit balance. On on XX/XX/XXXX in the amount of {$2300.00} ( XXXX XXXX ) and XXXX the next day XX/XX/XXXX in the amount of {$28000.00} manual to pay off the remaining account balance. 

After 2 days our credit had not increased and we got suspicious that the payment had not processed. We checked our checking account and no funds had been taken out. I called into Capital One on Wednesday XX/XX/XXXX to try to see what was going on. I had no notification from Capital One that the payments had failed, but obviously I knew something was going on because our checking account balance was the same. 

When I called in they could instantly see that the payment had failed. They told me I would get a notice the next day ( I never got any notice and still haven't ). We quickly realized that the account number on my bank account that I had originally entered was wrong. It was off by XXXX digit, I had neglected to add a " XXXX '' in a sequence of multiple " XXXX ''. Upon receiving that information I corrected the mistake online but was advised by the agent to wait for the payment to fail before making a new payment. My wife upon hearing how the conversation went, thought it was crazy that we couldn't just make a corrective payment. She called in and was given the same advice. Wait until the previous payments fail and then make a corrective payment. 

The next day XX/XX/XXXX the payments failed and the account was closed for fraud. In addition we were charged a {$25.00} late fee. We called in again explaining what had happened and were told there was nothing we could do, that we had to wait until 5 business days after the payment posted to try to get the account reopened. The corrective payments posted successfully on XX/XX/XXXX. 

Two days later XX/XX/XXXX we got charged another interest fee for {$370.00} because the first two payments had failed. 

5 Business days later on XX/XX/XXXX I called in again to explain my story and try to get the account reopened. This time they did have a conversation about reopening the account which I was not privy to. In fact I was not transferred to the person who made the decision to keep my account closed even when asked to be transferred repeatedly. Capital One advised me that my only recourse was to create a new account and apply again. At this point I have been charged over XXXX $ and wasted 2 weeks of my time trying to correct this issue. At no point over the course of these two weeks have I received a notification that my original payment failed. My wife and I called in to try to resolve this issue every step of the way and at every corner Capital One proved unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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