vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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The personal information on my credit report were outdated.

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 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

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 2025-07-17 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: IL

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Because I can not attach documents to complaints that have already been submitted I am filing another complaint complimentary to complain number XXXX. 

Please 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
RE : FINAL NOTICE INTENT TO SUE FOR FDCPA, FCRA, AND XXXX XXXX VIOLATIONS ( Formal letter is attached to this complaint ) Account/Reference Number : XXXX To Whom It May Concern : This letter shall serve as my final warning and formal notice of intent to sue for your agencys ongoing violations of Federal and XXXX  state consumer protection XXXX regarding the fraudulent tradeline referenced above. 
I have informed your agency XXXX  times that this debt is the result of identity theft, and as such, I am not legally obligated for its repayment. Despite being notified, your agency has continued to report this item to consumer reporting agencies and/or attempt collection, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and multiple XXXX statutes. 
Your failure to investigate and properly handle this matter places you in direct violation of : Violations of XXXX XXXX : 15 U.S.C. 1692e ( 8 ) Reporting false or inaccurate credit information, including failure to mark the debt as disputed.

15 U.S.C. 1692f Using unfair or unconscionable means to collect a debt.

15 U.S.C. 1681s-2 ( b ) Failing to conduct a reasonable investigation after notice of identity theft and continuing to furnish inaccurate information. 

Violations of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Failing to properly address identity theft when notified by the consumer. 
XXXX XXXX XXXX XXXX Failing to correct or delete inaccurate information in the debt XXXX file after being informed of the error. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Attempting to collect a debt you know is not owed. 

I am a litigious consumer who fully understands my rights. If you do not : XXXX. Immediately delete the fraudulent tradeline from all major credit reporting agencies ( XXXX XXXX XXXX ), XXXX. Cease all collection efforts, and XXXX. Provide written confirmation of the above actions within XXXX ( XXXX ) business days of receiving this letter, I will proceed to file a lawsuit against your agency. I will seek actual damages, statutory damages, attorneys fees, court costs, and punitive damages as allowed under the FDCPA, FCRA, and XXXX XXXX Trade Practices Act ( DTPA ). 
Attached is another FTC Identity Theft report. 

This is not a request this is a final demand before litigation. 
If this matter proceeds to court, I will also notify the XXXX Attorney General 's XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) ( have already done ), and the Federal Trade Commission ( FTC ) of your non-compliance and violations. 
You may respond in writing only. No phone calls are authorized. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
From XX/XX/XXXXXXXX  - present day ( XX/XX/XXXXXXXX  ), Bank of America ( BOA ) has placed 5-10 day holds on ALL deposits made via physical check, then they also put a 5-10 day hold on a certified check in XXXX. In addition, Ive had ACH payments take 2-4 days to arrive in my account. As a solo operator, I have 1 revenue source, from clients that pay 100 % of the time, over the 7.5 years, only XXXX client didnt pay ( {$1800.00} ). The one thing I struggled with, is clients paying me when they originally said they would, and agreed to, in writing. Theyll send it 3-6 days late, up to 3-4 weeks late. Theyll have a late fee of {$270.00} - {$500.00}, and they just wont pay that. 

So, while Im dealing with clients like this, my own bank decided to pour alcohol and salt to the wound. I would submit a deposit check for {$2500.00} - {$10000.00}, a lot of payments from the same clients, as well as a lot of new clients. I would understand 1-2 days for new clients with weird banks. 5-10 business days is straight up abuse of power! So, my client would pay me 1-3 weeks late, then my own bank would add 1-2 weeks on top of that, for themselves. Imagine trying to build anything while dealing with that behind the scenes. 

I could make the argument that the reason that my company, XXXX XXXX XXXX XXXX XXXX has struggled to scale, even with great success, was caused by the nightmare cash flow issue that I was forced to suffer with, while banking under BOA, as a small business client. 

Just do the switch banks thing. Sure try that, when your current bank of many years, is holding {$3000.00} - {$12000.00} of yours, youve got 6 technical reports to write, a litigation trial testimony to prepare for, and while teaching / certifying industry professionals. The good news is that I finally opened a new business bank account with a credit union, and I have high hopes. 

I am just beyond frustrated and disappointed in how I was treated by Bank of America! I think others probably deal with this and worse. I highly recommend doing a proper investigation! Ive lost hope in our banking system

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Company placed debt on credit report a few months ago and I requested proof as I have never applied or received anything and they havent sent me any proof. Claims I owe {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Eqifax Experian TransUnion XXXX XXXX Under my payments history I have a XXXX and a XXXX day late payment as well as a serious delinquency showing. This is not linked to any account. There is no other information about the late payment or delinquency therefore I can not dispute it with the XXXX bureaus. I have contacted all XXXX bureaus and they claim that my actual credit report is not showing any late payments. They are unable to provide me with why then there are late payments and delinquencys showing on my payment history when the data is provided by them the bureaus. Because these errors are not linked to any account I can not file a dispute. They have been of no assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am writing to formally dispute the collection account that TRANSWORLD is reporting to the credit bureaus regarding an alleged debt from company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding the improper handling of an alleged debt originally owed to XXXX XXXX and now being collected by MRS BPO. 

On XX/XX/year>, I made a payment of {$150.00} directly to XXXX XXXX. I was not informed prior to this payment that the account had been placed with MRS BPO for collection. On XX/XX/year>, I received a letter from MRS BPO stating that they were now managing the debt and offering a settlement amount of {$240.00}. 

On XX/XX/XXXX, I contacted MRS BPO to explain that I had already paid {$150.00} to XXXX and asked if I could pay the remaining {$91.00} to satisfy the full settlement. The agent verbally agreed, but refused to provide written confirmation of this agreement. This refusal is unacceptable and violates consumer rights to clear, documented terms in the course of settling a debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation, including withholding documentation of agreed-upon terms. Further, 1692g ( b ) requires debt collectors to provide written validation and confirmation of disputed or settled accounts upon request. Refusing to confirm the settlement in writing creates confusion, potential misreporting, and unfair harm to the consumer. 

As part of this complaint, I am requesting : Written confirmation that the agreed-upon settlement amount is {$240.00}, and that my {$150.00} payment has been applied toward it. 
Confirmation that payment of the remaining {$91.00} will fully satisfy the account, with no further obligation or collection activity. 
Full deletion of the MRS BPOXXXX XXXX trade line from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ) as part of the settlement agreement and in recognition of the confusion and lack of proper notification. 
Assurance that no further negative credit reporting will be submitted for this account. 
I respectfully request that the CFPB investigate this matter and hold MRS BPO and XXXX accountable for their failure to follow standard legal procedures and consumer protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WV

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 2025-07-17 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: WV

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 non-monetary relief
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I originally leased this vehicle in XX/XX/year>. I made the initial payment, then made XXXX as well. I was informed that the XXXX payment was not applied and due to my upcoming Bankruptcy, I told them I may struggle over the the next few months. The politely said that once any of the late fees were reported, all I needed to do was send a XXXX XXXX XXXX. That gentleman was extremely efficient and friendly. He stated that that the records he was looking at had indeed by sent to the XXXX creditors to be removed. To provide the most accurate and straightforward proof that XXXX out XXXX payments ( XXXX and ( XXXX, I sent XXXX XXXX and the XXXX XXXX copy of both statements and the amount paid. Now all I get no matter how long I am on the phone with XXXX is the need to talk with their supervisor since they cant make any changes. 

I first had a XXXX back XXXX years ago and never missed a single payment. Now I have had this XXXX for XXXX months and have been reported for XXXX late fees that I believe would enhance the chance to buy another XXXX in a few months.

Company response to consumer: Closed with explanation