vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 explanation
Consumer complaint received 2025-05-14 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PR

Complaint narrative:
I recently reviewed my credit report, and I believe to be inaccurate or unverified, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is a XXXX XXXX account ( XXXX ). This account is reported with a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, as reflected in my credit reports. 

I am requesting an investigation pursuant to Section 611 of the FCRA, based on the following : XXXX XXXX has not provided documented evidence to support the reported late payments. 
I have not been given any verifiable proof of prior notifications or clear records justifying the delinquencies. 
This negative information is financially harming me, and I believe it does not meet the verification, accuracy, or legal requirements set forth by the FCRA. 

I respectfully request the following : A formal investigation into the validity of the reported late payments. 
That XXXX XXXX be required to provide official documentation supporting the late payments ( contracts, billing statements, payment history ). 
That the late payment entries be deleted if they can not be properly verified as required by law. 


I am attaching a copy of my credit report as supporting evidence. I appreciate your attention to this matter, as it is unfairly impacting my access to credit.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the victim of a complex international fraud scheme involving multiple unauthorized transactions processed through Bank of America. These transactions were routed through a payment processor labeled XXXX, which concealed the identities of fraudulent shell companies including : XXXX XXXX XXXX XXXX XXXX A separate company, XXXX, was also involved using similar fraud tactics but not XXXX. These merchants are part of the same XXXX XXXX  that used my stolen credentials, spoofed my IP address, and bypassed my one-time passwords ( OTPs ) using bots or XXXX techniques. 

Bank of America denied my fraud claims multiple times, including most recently on XX/XX/XXXX, on the grounds that the transactions began in XXXX. However, I did not discover the fraud until late XX/XX/XXXX and reported it immediately. This is well within the XXXX reporting window required under Regulation XXXX. 

In addition to refusing to reimburse me, Bank of America continues to mislabel the payment processor XXXX XXXX XXXX as the merchant, rather than identifying the real recipients. This misrepresentation has made it harder to dispute the fraud properly. 

Bank of America also approved earlier fraud claims involving XXXX and XXXX, which followed the exact same pattern. Their denial now appears arbitrary and inconsistent.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have repeatedly attempted to access my Equifax credit report and have been unjustly blocked. I called customer service, followed all steps, used XXXX, and even submitted a written request via mail with my ID and proof of address. Despite all efforts, Equifax continues to restrict my access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX AV XXXX, LA XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information appearing on my credit report. The account listed undeXXXX XXXX XXXX  XXXX, number # XXXX XXXX XXXX XXXX * is currently being reported as a Charge-off in Payment Status, which does not accurately reflect the current status of the account. 

According to a letter I received from XXXX XXXX XXXXXXXX dated XX/XX/XXXX, the account was charged off on XX/XX/XXXX, but a final payment was made on XX/XX/XXXX, and the current balance is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate or incomplete. I am requesting that this account be updated to reflect the accurate status, either as : Paid Charge-off, or Closed Paid in Full I am including the following supporting documentation : - A copy of my identification - A copy of my credit report with the disputed item highlighted - A copy of the letter from XXXX XXXX XXXXXXXX confirming the account has been paid and shows a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information appearing on my credit report. The account listed undeXXXX XXXX XXXX  XXXX, number # XXXX XXXX XXXX XXXX * is currently being reported as a Charge-off in Payment Status, which does not accurately reflect the current status of the account. 

According to a letter I received from XXXX XXXX XXXXXXXX dated XX/XX/XXXX, the account was charged off on XX/XX/XXXX, but a final payment was made on XX/XX/XXXX, and the current balance is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate or incomplete. I am requesting that this account be updated to reflect the accurate status, either as : Paid Charge-off, or Closed Paid in Full I am including the following supporting documentation : - A copy of my identification - A copy of my credit report with the disputed item highlighted - A copy of the letter from XXXX XXXX XXXXXXXX confirming the account has been paid and shows a {$0.00} balance

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ), credit reporting agencies are required to ensure maximum possible accuracy and to promptly investigate and correct any inaccuracies upon notification. 

Account XXXX XXXX XXXX are reporting late payments Account XXXX XXXX XXXX XXXX XXXX XXXX accordance with 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum accuracy, I request that you investigate these inaccuracies. Furthermore, under 15 USC 1681i ( a ), I request that you correct or delete the disputed information as required by law.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at XXXX or via email at [ XXXX ]. 

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I was served a Summons on a XXXX XXXX XXXX in person by a server person at my home. He did not identify himself to my wife who was home at the time XX/XX/year> approx. XXXXXXXX XXXX  I do not recall this debt. Also, we previously are party to at least XXXX data breaches ( We have notices ) and my information was found on the dark web. We have an account lock and a fraud alert on all 3 of the credit companies. 
We do not want to make phone calls to anyone listed on the Summons Dated XX/XX/year> because we dont want to risk identity information. We are retired and can not afford an attorney on this matter. 
Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Plaintiff : XXXX XXXX XXXX. against XXXX XXXX XXXX. The debt collector is Rubin & Rothman LLC., XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX. XXXX Debt Collector XXXX XXXX XXXX. XXXX Please advise. According to this document I have 20 days to Respond and I dont have a clue. Thanks for your assistance in this matter. XXXX 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 2025-05-14 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: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> RE : CEASE AND DESIST DEMAND Dear Jefferson Capital Systems LLC Jefferson Capital Systems LLC : furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems LLC claims is owed on. This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX, Banking, And Credit XXXX The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and this account be REMOVED from all three of consumer reports. Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My friend 's XXXX was hacked and I thought it was her selling a car and even in communication with her via direct messaging she confirmed what church she went to so I would feel confident it was her. I sent {$500.00} via Zelle to an account XXXX XXXX. It was fraudulent as I spoke to the Friend the next day. I have called XXXX Bank and filed a claim as well as Zelle. I want to make sure the recipient of the money with Zelle is investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally demand the immediate reversal of a {$440.00} payment that was incorrectly processed on my account XX/XX/year>. 

To clarify the situation : * I received a direct deposit of {$2600.00} from XXXX XXXX XXXX XX/XX/year>. 
* At the exact same time, a {$2600.00} transfer to XXXX XXXX was initiated to cover a hotel reservation XX/XX/year>. Account is at XXXX balance at the time. 
* After realizing I would be responsible for the payment, I transferred {$1500.00} back to my account on XX/XX/year> to cover : * The {$1300.00} hotel charge * The {$200.00} hotel hold ( which was immediately withdrawn ) * This left a remaining balance of {$68.00} on XX/XX/year>. 
* The {$1500.00} transfer was not additional income, but a portion of the original XXXX XXXX transfer being redirected. 
* My balance was never truly $ XXXX number is inaccurate due to Navy Federals rearrangement of transaction order.

* As a result of this mismanagement, my account was improperly made negative.

* The {$440.00} transaction should never have been authorized, as sufficient funds were not available at that time. 
* The account was at XXXX, but after the {$200.00} hotel hold was released, the negative balance was partially reduced. 
* The only charge that should have been approved during this time was {$25.00}. 
I am requesting, in no uncertain terms, that Navy Federal immediately reverse the {$440.00} charge, correct the error, and restore my account to the proper balance. This issue was caused by your internal handling of deposits and not by any misuse on my part.

Please confirm once the correction has been made.

The above was sent to Navy Federal and I was told to dispute with XXXX. No, why would I do that?? 
If theyre going to post XXXX payments right away keep it consistent. The deposit shows right away but the withdrawal is days later no reverse the payment and my account should not be negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
Ive called the company to let them know this isnt my debt and I dont owe them anything. The name of the company is LJ Ross Associate the amount XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies related to my personal information on my Equifax credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. Specifically, I am disputing the accuracy of the following personal information : Former Name : XXXX XXXX, Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 15 U.S.C. 1681i ), Equifax is legally required to maintain maximum possible accuracy in the personal identifying information it reports. However, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations, including the verification and correction of inaccurate personal information. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a comprehensive and thorough reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of outdated or incorrect personal information not only distorts my credit profile but also exposes me to potential security risks, including unauthorized credit activity and identity confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
This is a follow-up complaint to ensure that the following late payment account is properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the accuracy of the following account on my Equifax credit report : XXXX - Account Number : XXXX * * - Reporting Balance & Past Due Amount : {$0.00}. * * Despite having a zero-dollar balance, this account is still being reported with past due information, which is both misleading and inaccurate. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), Equifax is legally required to ensure maximum possible accuracy in the information it reports. This includes conducting a thorough and reasonable reinvestigation of disputed items within XXXX days. Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a comprehensive and thorough reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The ongoing presence of this inaccurate late payment without proper verification indicates a potential failure in Equifax 's investigative processes, exposing me to potential financial harm and reputational damage.

Company response to consumer: Closed with non-monetary relief