vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my ocial statement about the crime. 
Contact Information First Name : XXXX XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Name : L Phone : XXXX Last Name : XXXX Email : XXXX Personal Statement : I do not recognize the adresses, Please remove addresses shown below, Thank You. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Personal Information Yes, fraudulent accounts or charges appear on my credit report Addresses : XXXX XXXX XXXX XXXX XXXX NC XXXX, Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
https : //www.identitytheft.gov/XXXX Thank you very much!!!!

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am one of XXXX XXXX people whose social security number and date of birth were hacked by thieves on Trans Union 's cloud files. They sent me a notice of this and offered 24 months/2 years of free credit monitoring, but you have to sign up online for it. I tried to do so but their website is faulty. I tried 8 times a day at different times of the day for over three weeks. I tried on several different computers, both at home and at work. I tried on various web browsers. I cleared all cookies. Nothing worked. The program keeps telling me it's busy. After 3 weeks it's still " busy ''. I need this protection now, not a year from now. I wrote Trans Union a letter explaining the problem. They sent me back a letter saying they " didn't ' understand what I had written, '' which is bogus. I've attached the letter. It's clear, accurate and precise. My letter was obviously read by AI, not a real person, which is why it wasn't ' " understood ''. I tried to call TransUnion. The lines are always busy. I leave messages ; they don't ' call me back. Do I have to hire an attorney and sue them in order to protect my identity? This company should be put out of business for its inept protection of my private information and it's lack of response to my inquiries. I want to sign up for the monitoring service. They should have provided AUTOMATICALLY provided this to all affected parties, as other companies do, not made XXXX XXXX people sign up for it on a website that isn't equipped to handle this many request, even three weeks after they notified peopole.

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 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
This {$760.00} debt is a medical collection that is not labeled as such on my credit report. I believe this debt occurred on XX/XX/XXXX, when I had an XXXX XXXX  to the XXXX  XXXX. I believe the bill was paid by my insurance company in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was alerted by XXXX XXXX that I had a hard inquiry with Home Depot for a credit card. I did not apply for this card. It was reported by XXXX  and the card was with Citibank

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: OH

Complaint narrative:
A debt collector is reporting information that has not been validated on my credit file. I wish to contest the validity of the alleged debt of {$4000.00}, referenced by account number XXXX and reported by XXXX XXXX XXXX To the credit bureaus. This debt is unfamiliar to me, and despite previous requests, XXXX XXXX have not provided the necessary verification. I hereby ask for validation of this debt. Please provide a copy of the original signed credit agreement with XXXX XXXX XXXX XXXX, along with the complete chain of custody that legally entitles you to collect this debt.

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 2025-09-27 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: MRS BPO, LLC
State: WI

Complaint narrative:
I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA 611 ). 

The following accounts are being reported incorrectly : XXXX XXXX ( Acct # XXXXXXXX XXXX ) : Not mine. 
XXXX XXXX ( Acct # XXXXXXXX XXXX ) : Not mine. 
XXXX ( Acct # XXXX ) : Wrong late payments and balance. 
XXXX XXXX XXXX ( Acct # XXXX ) : False late payments. 
XXXX XXXX XXXX ( Acct # XXXX ) : Not mine. 

The bureau is also reporting outdated personal information ( old names, addresses, phone numbers, and employers ). My correct information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX Employer : Team Discovery I am requesting deletion of inaccurate accounts, removal of outdated personal information, and a corrected credit report. If any item is verified, I request the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA 611 ).

The following accounts are being reported incorrectly : XXXX XXXX ( Acct # XXXXXXXX XXXX  ) : Not mine. 
XXXX XXXX ( Acct # XXXX XXXX  ) : Not mine. 
XXXX ( Acct # XXXX ) : Wrong late payments and balance. 
XXXX XXXX XXXX ( Acct # XXXX ) : False late payments. 
Portfolio Recovery Associates ( Acct # XXXX ) : Not mine. 

The bureau is also reporting outdated personal information ( old names, addresses, phone numbers, and employers ). My correct information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX Employer : XXXX  XXXX  I am requesting deletion of inaccurate accounts, removal of outdated personal information, and a corrected credit report. If any item is verified, I request the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I used an Affirm Virtual Card for a XXXX XXXX order ( Loan ID XXXX ). The primary item ( XXXX XXXX laptop, {$1400.00} ) was cancelled by XXXX XXXX the same day due to being out of stock. XXXX XXXX confirmed in writing ( Exhibit A receipt, Exhibit B cancellation email ) that the total order was only {$56.00} and that the bank was electronically notified of the cancellation. 

Despite this, Affirm/XXXX XXXX continues to treat the full {$1400.00} as a loan. They only applied two small partial refunds ( {$57.00} on XX/XX/XXXX and {$56.00} on XX/XX/XXXX ) and still show the loan as overdue $ XXXX ( Exhibit C loan verification letter ; Exhibit D portal screenshot ). Affirms own dispute case log shows repeated denials despite proof ( Exhibit E ). 

This is inaccurate billing, unlawful collection activity, and false credit reporting under the Truth in Lending Act and FCRA. I am suffering ongoing financial and emotional harm from being reported delinquent on a loan for goods never received. 

Requested resolution : Close the loan with a {$0.00} balance. 

Correct/delete any negative credit bureau reporting .

Provide a written audit trail confirming cancellation.

Consider compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting from Bank of America. 
I had a secured credit card account with Bank of America ( ending in XXXX ), opened with a {$200.00} deposit. This account has been paid in full and closed. However, Bank of America continues to report the account as delinquent ( 30+ days late in XX/XX/year> ) and open, which is inaccurate. 
This error is directly preventing me and my family from obtaining mortgage approval for our first home. I have already contacted Bank of America multiple times and provided proof of payment, but the issue has not been corrected.

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information. I am requesting CFPB intervention to ensure that Bank of America updates the credit bureaus to reflect the correct status of my account : paid in full, closed, and with no delinquency. 

Company : Bank of America Product : Credit card Account type : Secured credit card Account number ( last 4 digits ) : XXXX Desired resolution : Immediate correction of the inaccurate credit reporting and confirmation that all credit bureaus ( XXXX, XXXX, XXXX  ) have been updated.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding multiple fraudulent accounts listed on my credit file.

The following fraudulent accounts appear on my credit report : XXXX Account No. XXXX Date Opened XXXXXXXX XXXX XXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX. 

These accounts were created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of these accounts. This information does not belong to me and should not be associated with my credit profile.

Pursuant to FCRA 605B, I am requesting that these items be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the items must be blocked from my file within 4 business days of receipt of this notice and supporting documentation.

If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am writing to dispute the accuracy of the following credit card accounts that appear on my credit report. These accounts are reporting late payments and/or past-due balances that I believe are inaccurate, incomplete, or otherwise do not reflect my true payment history. The accounts in dispute are as follows : WFBNA CARD Account number : XXXX | Balance : {$1700.00} | Past Due : {$220.00} | XXXX late payments WFBNA CARD Account number : XXXX | Balance : {$0.00} | Closed, XXXX late payments XXXX Account number : XXXX | Balance : {$0.00} | Closed, XXXX late payment These entries contain inaccurate negative information. I request that the credit bureaus conduct a reasonable investigation, remove or correct these inaccuracies, and update my credit file accordingly. 
Please provide me with a written response detailing the results of your investigation and any actions taken. If you verify the accuracy of these items, kindly provide the specific documentation relied upon, including billing and payment records.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
No proof of information provided nor was debt solved and fixed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Collection to my credit/account impacting me, that I have know knowledge of. And I have asked for proof that I have not received. Ive been trying to get this removed due to the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit limit on my card is {$250.00} however I have {$5.00} available credit and my account is showing a current balance of {$210.00}. Not attaching a pending charge of XXXXXXXX XXXX {$6.00} putting the balance up to {$210.00} But where is the {$30.00}? That is the missing available per the statement and there's no other pending charges taking that {$30.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One continues reporting delinquency on a closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Account info Account name CREDIT ACCEPTANCE CORPORATION Also known as XXXX Check out this note I just made on Notes Launcher : Collection dispute letter : - To. XXXX, XXXX, XXXX, - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- From the living woman ucc1-308 All rights reserved without prejudice. XXXX XXXX.. 


- Subject Matter, dispute of inaccurate information/collection- This account is inaccurate please reinvestagate under FCRA 611 - Collection agency XXXX  XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Account number XXXX - Issue [ e.g.balance is wrongdate of last activity is inaccurate/incorrectly and reporting is different across different agencies bureaus.

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 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Numerous attempts have been made to the purported debt collector in writing since XXXX. I have not received anything in return from them. The company refuses to respond to my request for Validation of Debt. This is a violation of the FDCPA. National Credit Systems ( NCS ) refuses to provide validation of this purported debt but continues to report the debt to credit bureaus. 
This is my second complaint to the CFPB about this matter. My first complaint was filed with the CFPB XXXX. My rights under the FDCPA are being violated. My first Validation of Debt letter was received by NCS via US Certified Mail XXXX. Another letter, sent via Certified US Mail was received XXXX. In my first complaint to the CFPB the purported debt collector made no mention of sending me anything in their response. Continuing to collect without providing validation including reporting to the credit bureaus, is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX ( {$690.00} ), XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX was the first sign of things being mismanaged on my XXXX credit bureaus accounts. Also, they paid off XXXX credit and intercepted a payment to my mortgage where the company I belong to said they did not get the payment. That was in XXXX. 

I was getting calls with foreign accents about collecting information through my cell phone. They, possibly a group, but they have access to my cell phone and all the accounts in it. 

When I dial to pay bill on my cell phone, or find out information on the balance, I " them '' on the phone instead of the company. There are a series of collected incidents all evolving around my credit report, as if their all connected. 

I have contacted the FTC, the banks, etc., but no one is helping me and I feel alone in this battle.

Company response to consumer: Closed with explanation