vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX credit report, which I do not recognize and believe to be the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX on XX/XX/year> under account number XXXX. This unauthorized account has led to several fraudulent hard inquiries and illegitimate collection activity appearing on my credit file. I demand that this fraudulent item be permanently removed from all of my consumer credit reports and that any and all collection activity related to this account immediately cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the CREDIT BUREAU credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX credit report, which I do not recognize and believe to be the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX on XX/XX/year> under account number XXXX. This unauthorized account has led to several fraudulent hard inquiries and illegitimate collection activity appearing on my credit file. I demand that this fraudulent item be permanently removed from all of my consumer credit reports and that any and all collection activity related to this account immediately cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the CREDIT BUREAU credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-08 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: CA

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-05-08 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: IL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nExperian\nXXXX XXXX XXXX  TX XXXX\nRe: Formal Dispute & Immediate Removal Request of Inaccurate Charge-Off Account\nAccount NumberXXXX XXXX XXXX XXXX XXXX\nCreditor: XXXX XXXX XXXXTo Whom It May Concern:\nI am writing to dispute the accuracy of the above-referenced "charge-off" account on my Experian\ncredit report. Under the Fair Credit Reporting Act (FCRA):\n- 15 U.S.C.  1681i(a)(1)(A) requires you to complete a reasonable reinvestigation of any disputed\ninformation within 30 days of receiving notice.\n- 15 U.S.C.  1681i(a)(5)(A) mandates deletion of any information you cannot verify.\n- 15 U.S.C.  1681b prohibits furnishing information that is not fully verified or that lacks a\npermissible purpose.\nPage 1\nThis account is inaccurate and unverifiable for the following reasons:\n1. No Validation: Bank of America has not provided the original signed contract, complete payment\nhistory, or proof of lawful assignment of the debt.\n2. Possible Re-Aging: The reporting appears to violate 15 U.S.C.  1681s-2(a)(1)(A) by potentially\nre-aging or misrepresenting the date of first delinquency.\n3. Credit Harm: Continued reporting of this incorrect information is causing unjustified damage to my\ncreditworthiness.\nTherefore, please provide, in writing and within 30 days of receipt of this letter, the following\ndocumentation from the original creditor:\n- A true copy of the original, signed contract bearing my signature\n- A complete payment history account\n- Documentation of lawful assignment or ownership transfer of the debt\n- Evidence that this account was reported accurately and in compliance with the FCRA\nIf you cannot furnish these documents within the statutory timeframe, you must permanently delete\nthis account from my Experian file and any third-party databases to which you disclose my\ninformation.\nShould you fail to resolve this dispute within 30 days, I will file a complaint with the Consumer\nFinancial Protection Bureau (CFPB) and may pursue civil remedies under 15 U.S.C.  1681n &\n1681o for willful noncompliance.\nPage 2\nThank you for your prompt attention. Please send your response via certified mail, return receipt\nrequested to the address above so I have proof of your compliance with federal law.\nSincerely,\nXXXX 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 2025-05-08 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
Salary for the months of XXXX and XXXX Debit card and checking account suspended Nobody picks up phone calls After sending the reply is the same, call the number that doesnot pick up This is a complaint against Net Spend/ XXXX  money prepaid card

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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Account Credit Collection Services # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

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 2025-05-08 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:
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 2025-05-08 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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


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

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

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

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

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have been a customer with Bank of America for many years, with several credit cards. In all of those years, I have only ever had XXXX single late payment, which was 30 days late in XX/XX/year> on my Bank of America credit card. During that time, I had extensive and overwhelming medical bills as a result of XXXX diagnosis and treatment, the cost of going through the legal process of having my marriage XXXX through the Court and becoming a single parent, and unexpected significant expenses on my house due to foundation, plumbing, and electrical repairs in excess of {$40000.00}. I had to sell my home after the costs became too much. I wrote a goodwill letter to Bank of America to explain these circumstances, and requesting they please remove this negative mark on my credit report as it was the one and only time this has happened, I had already gotten my account current after only the one late payment and had no late payments since, and to please consider my lengthy and spotless history with Bank of America for many years. The card has now been paid in full with a {$0.00} balance for several months. This negative mark has tanked my credit score, which made it almost impossible for me to afford a home for my son and myself, and will continue to punish me for the foreseeable future, which seems unnecessarily extreme for a single late payment in decades as a customer. Not to mention on top of all the other negative circumstances I was already going through. I beg Bank of America to reconsider its decision to not remove this negative mark, and to please show mercy to me as a longtime customer with a spotless history outside of this one single late payment.

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 2025-05-08 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Kickoff Lending, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kickoff, I have recently received the results of the investigation done on the account above regarding the alleged late payments you are furnishing to my consumer file. Furnishers and credit reporting agencies have the obligation to follow reasonable procedures to assure maximum possible accuracy 15 USC 1681 ( e ). I am requesting a description of the procedure used to determine the accuracy and completeness of the investigation in accordance with 15 USC 1681 ( i ) ( 6 ) ( B ) 3. The alleged late payments are still being furnished to this account without proof of compliance with 15 USC 1666b ( Time to make Payment ) and 15 USC 1681s- ( 2 ) ( 7 ).

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

The above law requires that : 1 ) A periodic statement is sent out 2 ) It contains information from section 1637 ( b ) 3 ) It MUST be mailed or delivered ( Provide tracking number for mail or delivery receipt for email ) 4 ) Not later than XXXX days before the payment due date!

15USC 1681s-2 ( 7 ) ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

Kickoff lending, if you are unable to provide the proof of compliance in accordance with the FCRA as listed above along with the requested description of procedure used to determine maximum possible accuracy and completeness, REMOVE ALL LATE PAYMENTS from this account! 

Account # XXXX Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I've got an insurance claim check for {$27000.00} after having water damage. I wanted a 2nd bank so I decided to go to chase to open an account with that check on XX/XX/year>. After a few emails from them I gave them a call to see what's the problem. I was told my account was about to be closed and that their was no way they can verify the mortgage company by calling of course their name was on the check and was endorsed. I've called several times to get other options, I also went in about 3 times and they keep saying the same thing .My insurance company said they can't cancel that check and send out another because chase won't release those funds. My house is completely a mess and uncomfortable to live in. Insurance company claims it's still livable even though I disagree. The house is open with open ceiling and open baseboards which now has rats coming in. I just want my house back to normal and chase its making this impossible and very frustrating. It's not doing me any good sitting in a closed account

Company response to consumer: Closed with explanation