vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX CT XXXX DE XXXX ACCOUNTS : XXXX XXXX AUTO - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 recently found several charge accounts and credit inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to. As of XX/XX/XXXX, my credit report reflects multiple credit card accounts and inquiries that I never applied for none of which are mine. This fraudulent activity has caused me significant distress and is clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX XXXX ( Account # XXXX ) credit card, opened on XX/XX/XXXX XXXX XXXX XXXX ( Account # XXXX ) credit card,, opened on XX/XX/XXXX ; XXXX XXXXXXXX account, opened on XX/XX/XXXX ; XXXX, charge account XXXX opened on XX/XX/XXXX ; XXXX  ( Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX XXXX  Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX XXXX XXXX Charge account, opened on XX/XX/XXXX XXXX XXXX, Charge account, opened on XX/XX/XXXX ; XXXX, Credit Card, opened opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Charge account XXXX opened on XX/XX/XXXX ; XXXX, Credit Card, opened XX/XX/XXXXXXXX XXXX, Charge account, opened XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Collection opened XX/XX/XXXX ; XXXX, Credit card, opened XX/XX/XXXXXXXX XXXX XXXX Credit card, opened on XX/XX/XXXX ; XXXX, Charge account, opened on XX/XX/XXXX ; XXXX BANK XXXX, Credit card, opened on XX/XX/XXXX ; XXXX XXXX XXXX, Collection, XXXX XXXX XX/XX/XXXX. 

Besides, on my report, are differents inquiries that I never consented and authorized, it is a confirminf of the identity theft. There are : XXXX inquiried on XX/XX/XXXX ; XXXX XXXX inquiried on XX/XX/XXXX ; XXXX inquiried on XX/XX/XXXX ; XXXX  inquiried on XX/XX/XXXX 2024

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I found {$1000.00} in my checking account was transferred to my credit card company without my authorization on XX/XX/year>. I contacted my bank for resolution but bank said I have to contact my credit card company which I already contacted before.

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 2025-06-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I rented a XXXX  through new season water sports. I provided my card information for the transaction of {$120.00} on XX/XX/year> to rent the XXXX  for XXXX hr after previous customers. XXXX minutes into my rental the XXXX started to malfunction due to seaweed getting caught in the filter. I called the owner of the jetski and informed him about the XXXX  needing assistance on getting the seaweed out. I was informed to idle the XXXX back to the dock and to not cut it off as I started to idle the XXXX back it started to overheat and smoke so I then called the owner back and informed him about the further problems the XXXX was having and I had to wait XXXX minutes on the lake until help was finally sent. The owner of the XXXX  said that it would be okay and that seaweed gets into the filters all the time. I was not contacted about the XXXX  nomore after XX/XX/year>. I texted the owner XX/XX/year> inquiring about the XXXX  and he sent me a list of things that was messed up on the XXXX. I informed him that I would pay for the filter if I caused damage to. He unauthorized a transaction of {$500.00} onto my card without my consent. He had not sent me proof of the damages that I caused to the XXXX. I feel like I was swindled and charged for someone elses actions and hes using me to get his already damaged XXXX  fully repaired. My bank should not have the ability to just release my funds to someone who is not authorized on my account and without my permission. I told the owner we can settle this in court if theres any further problems and they unwillingly charged my card by going through his system and stealing my card information. I am extremely upset and I want this resolved and to never happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Summary I am filing this complaint regarding an unresolved wire transfer issue between XXXX XXXX and Bank of America. 

On [ date wire initiated ], I initiated a domestic wire transfer from my XXXX XXXX  account to a suppliers XXXX XXXX  account. The wire was successfully debited from my XXXX XXXX  account ; however, the funds never reached the recipient 's XXXX XXXX  account. 

Upon discovering this issue, I contacted XXXX XXXX, who confirmed that the funds were correctly released, and initiated a wire withdrawal request with Bank of America to return the funds since the wire was never credited to the recipient 's account. 

Despite multiple follow-ups from XXXX XXXX and me, Bank of America has not responded to or processed the wire withdrawal request, and the funds remain unaccounted for. This unresolved issue has continued for [ days/weeks ]. 

I believe that Bank of America 's lack of action and communication has caused unreasonable delays and has caused significant financial and emotional distress. I request regulatory intervention to ensure that Bank of America promptly investigates and resolves this issue by either depositing the funds into the destination account or returning the funds to my remitting bank. 

Key information : Wire transfer initiator : XXXX XXXX  Wire transfer recipient : Bank of America Wire transfer date : XX/XX/2025 Amount : {$53000.00} Wire transfer reference number : XXXX Federal Tracking # XXXX XXXX XXXX  collection request refund date : XX/XX/2025 Attachments : Wire transfer receipt

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 2025-06-30 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland credit management XXXX {$730.00}. 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 dont belong to me! And Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
They keep calling me and texting me messages like these ; SaVit Enterprises , Inc-Debt Collector : XXXX XXXX, we left you a voice mail earlier today. You can go to our portal for more info at XXXX, use ref # XXXX. To optout reply STOP SaVit Enterprises , Inc-Debt Collector : We offer custom payment plans so you can get out of debt and in control of your finances. Click XXXX, use ref # XXXX. To optout reply STOP I don't know this company and I don't know how they have my information. I listened to part of one voicemail and it was just a robot and it repeated the first 2 words twice. I think they even called from a few different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove an inaccurate collection account from my credit report, despite previous disputes and the fact that the same account has already been removed by both XXXX  and XXXX. 

The collection account in question is from XXXX XXXX, account number beginning with XXXX, which I previously disputed. Both XXXX  and XXXX  investigated and subsequently removed this account from my credit files due to inability to verify or validate the information. 

Despite providing TransUnion with evidence that this account has been deleted by the other major credit bureaus, and despite their obligations under the Fair Credit Reporting Act ( FCRA ) Section 611, TransUnion continues to report this inaccurate item. They have failed to properly reinvestigate or provide documentation verifying the accuracy of the account. 

I am requesting that the CFPB assist in having TransUnion : Reinvestigate this account thoroughly Provide verifiable documentation if they continue to report it Remove the account from my credit file if it can not be verified, in accordance with the 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing XXXX refusal to remove a XXXX XXXX XXXX account from my credit report. The account is tied to XXXX XXXX. XXXX, which was dismissed without prejudice on XX/XX/year> in XXXX XXXX XXXX Texas. 

I submitted the official court-stamped dismissal order along with my dispute. Experian responded that it could not honor my request due to limited information. This is false. I provided all of the following : Creditor name ( Credit Acceptance ) Court case number ( XXXX ) Dismissal reason and date Legal documentation proving dismissal Experian is in violation of FCRA 1681i, which requires a reasonable reinvestigation. They are reporting an account as valid that was not adjudicated in court and can not be legally verified. 

This inaccurate reporting is harming my credit and can not be justified.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I sent a written debt validation request to Spring Oaks Capital asking them to verify the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). They responded on XX/XX/year>, but their response did not include all required documentation. 

Specifically, they did not provide : A detailed, itemized statement showing how the amount was calculated A copy of any signed agreement or contract Proof they are authorized to collect the debt ( such as a chain of title ) Confirmation that the debt is not time-barred by the statute of limitations I followed up on XX/XX/year>, requesting full validation and asking them to cease collection activities until proper documentation was provided. As of now, I have not received adequate validation. If they continue reporting this debt to credit bureaus or pursuing collection, I believe they are in violation of the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB review this matter and ensure the company either provides complete validation or ceases all collection and credit reporting activity related to this unverified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I keep getting denied loans that I have outstanding odds for. 
I have taken multiple hits to my credit from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: OK

Complaint narrative:
Received garnishment notice from my place of employment on XX/XX/XXXX. This will begin on XX/XX/XXXX. 
I have called this company, XXXXXXXX XXXX XXXX  XXXX XXXX, several times ( kept record ) and requested calls back. Have not been contacted. Found out from the original creditor, this debt was last paid on XX/XX/XXXX. I requested this information on company 's voicemail on XX/XX/XXXX. Still no response. Ok law prohibits being sued after 5 years of last payment. Oklahoma Statute of limitations has been passed. It has been 7 years. This is a called a Lame debt. 
I was never served and not given a chance to make payment arrangements. I have since filed a request for trial and undue hardship with XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief