vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fraudulent Account Routing # XXXX / Account # XXXX To Whom It May Concern : This letter is a formal dispute of the above-referenced account, which has been falsely attributed to me in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, 1681s-2, 1681n, and 1681o, the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681g ( e ), and the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

I am the victim of identity theft. I did not open, authorize, or benefit from this account.

- 15 U.S.C. 1681c-2 ( a ) requires blocking of all information that resulted from identity theft not later than 4 business days after receiving proper notice.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information known or believed to be inaccurate.

- 15 U.S.C. 1681g ( e ) requires you to provide copies of all applications and records used to open or maintain the account within 30 days of my request.

- 15 U.S.C. 1681n and 1681o provide for civil liability if you willf
ully or negligently fail to comply.

- 18 U.S.C. 1028 makes identity theft and use of another persons identifying information unlawful.

You are hereby DEMANDED to : 1. Conduct a full reinvestigation and immediately delete all fraudulent records. 2. Provide written confirmation within 30 days that the account has been permanently removed. 3. Provide all documentation used to open this account, as required under 15 U.S.C. 1681g
( e ).

4. Cease and desist from furnishing this account to any consumer reporting agency. Failure to co
mply will result in formal complaints with the CFPB, the OCC, and a civil action seeking damages under federal law.

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 2025-08-16 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: CT

Complaint narrative:
I am writing to formally request the removal of certain information from my credit file. 
Attached, you will find a document listing the specific items that need to be deleted. I am a victim of identity theft, and my credit report contains multiple accounts and inquiries that I did not apply for. 

As I have reported the theft of my identity to the Federal Trade Commission, I have included copies of the report for your reference. I kindly ask that you delete these fraudulent items to ensure my credit report reflects only accurate information. 
Additionally, I request that you block this information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which addresses the rights of consumers in cases of identity theft. 

I appreciate your prompt attention to this matter and look forward to your swift response.

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 2025-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX Balance : {$7800.00}

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was charged a {$10.00} fee + {$0.00} interest, evidently for using XXXX to make a purchase. I had done this many times in the past using the same credit card, with no fee. I had not been notified that there would be a change until I called to complain about it. The representative refused to give a courtesy waiver on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: NRA Group, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal Method of Verification request to XXXX  regarding a collection account reported by NTL Recovery Agency # XXXX ( XXXX XXXX XXXX, {$2400.00} ). 

Under the Fair Credit Reporting Act 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), TransUnion is required to disclose the method of verification, including : The name and contact information of the individual at the furnisher ( NTL Recovery ) who verified the debt, The method used to verify ( phone, e-Oscar, mail, etc. ), and The actual documentation relied upon. 

Instead of complying, TransUnion responded with a generic letter stating that the account was verified as accurate and then updated the account with a new Date Updated of XX/XX/year>. This constitutes : XXXX. Failure to provide the requested method of verification ( FCRA violation ). 
2. Re-aging of the debt by updating the date without changing the original Date of First Delinquency ( FCRA violation ).

3. Failure to conduct a reasonable reinvestigation as required by law. 

I am requesting immediate deletion of this account from my XXXX  credit report. XXXX  has willfully failed to comply with the FCRA and continues to harm me by reporting unverifiable, inaccurate, and improperly re-aged information.

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 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Subject : Debt Validation Request Account No. XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt referenced above, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This account is appearing on my credit report with the following details : Creditor : XXXX XXXX XXXX Co Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account Charged Off / Never Late {$7100.00} Written Off, {$3800.00} Past Due ( as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX Balance : {$3800.00} ( as of XX/XX/XXXX ) Original Balance : {$9200.00} Last Payment Date : XX/XX/XXXX Responsibility : Individual This reporting is contradictory and raises compliance concerns. Specifically, the account is marked as never late while simultaneously reported as charged off with an outstanding past due balance. Such inconsistencies indicate the information may be inaccurate, incomplete, or unverifiable.

In accordance with federal law, I hereby request the following : XXXX. A copy of the original signed contract or agreement bearing my signature establishing my obligation to this debt. 
XXXX. A complete payment history, including all charges, payments, credits, interest, and fees, explaining how the balance of {$3800.00} past due was calculated after a reported {$7100.00} charge-off. 
XXXX. The date and circumstances of the alleged default, and how the status never late aligns with a charge-off. 
XXXX. Documentation showing that United Auto Credit Co. has the legal right to collect or report this debt.

5. Verification that the reporting to credit bureaus is accurate, complete, and compliant with FCRA 607 ( b ) ( requirement to ensure maximum possible accuracy ). 

Until you provide the above documentation, this account remains disputed. If you can not validate this debt in full compliance with federal law, you must immediately remove or correct this account from all consumer credit reporting agencies. 

Please be advised that continued reporting of unverifiable or inaccurate information constitutes a violation of both the FDCPA and the FCRA. Should you fail to properly validate this debt, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I require your response in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Block, Inc.
State: NV

Complaint narrative:
I used cash app to purchase a food from XXXX eats as a form of delivery. When the food arrived the packaging was open inside, it appears to have been tampered with. I then reported this to uber eats but at that time they refused to refund me my money. I then reported it through cash app and provided documentation and photos days later showing that the food was not consumed. I open up the investigation on cash app XX/XX/XXXX for the amount of {$24.00}. Cash then launched the investigation on that day. I then spoke with XXXX eats and because now the charge was under investigation and all documents were sent proving the tampered food, XXXX eats then refunded the money as listed on the account. However, when I checked cash app the money was still not there. XXXX eats told me they in fact refunded and to contact cash app, I contacted cash app to understand why they still have not posted the money to my account since XXXX eats released the funds and they informed me that they do not have an update for me. I also paid {$24.00} and this is the amount I disputed on cash app and XXXX eats for the order but the dispute on cash app is showing {$21.00}. So not only is cash app not providing me an update they are also stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Individual was selling a XXXX XXXX. When I paid him on XXXX for the product he sent me had falsified tracking information using a service called XXXX.The seller claimed he was located in XXXX, but the shipping info says the item was dropped off in XXXX, XXXX. Additionally the seller asked me for a screenshot of the XXXX payment when completed ( a common scam tactic ). I am looking to get a refund for {$500.00} that was wrongfully taken from me. XXXX & JP Morgan Chase are not willing to protect me in this situation. Chase has informed me that the account of the individual registered with XXXX has been taken down for fraudulent activity, but they will not recover the funds I have lost. When asking for an explanation as to why they said they have decided that my claim has been closed and they will not recover the funds. I have also filed a complaint with the XXXX  attorney general. The state of XXXX  is suing XXXX for this exact reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/year> Balance {$10000.00}

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 2025-08-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my personal credit report and I can see that some body open a fraudulent credit card account under my name and this fraudulent account is hurting my credit and I demand this account were remove from my personal consumer report. ACCOUNT NUMBER XXXX FROM 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 2025-08-16 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: WI

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Experian, and XXXX for Inaccurate and Fraudulent Reporting of Bankruptcy Information Dear CFPB Investigator, I am filing this complaint to formally dispute the continued, unlawful reporting of a XXXX XXXX Bankruptcy on my consumer credit reports by TransUnion, Experian, and XXXX XXXX XXXX. I have disputed this erroneous information for over XXXX years and have submitted the following documents proving its inaccuracy : XXXX. A direct letter from the U.S. Bankruptcy Court ( Wisconsin ), affirming that it does not furnish or report data to credit agencies.

2. A signed email from the PACER ( Public Access to Court Electronic Records ) Service Center confirming they do not report or contact any credit bureaus.

3. Multiple written disputes and demands for reinvestigation sent to each agency. 

Despite this, these agencies have continued to report the bankruptcy as " verified '' without identifying the original sourceconstituting fraud, misrepresentation, and multiple violations of federal law. 
Legal Violations Cited : - Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681i Failure to investigate and correct inaccurate information - 15 U.S.C. 1681b Lack of permissible purpose for continued reporting - 15 U.S.C. 1681n/o Willful and negligent noncompliance, entitling me to damages - Privacy Act of 1974 Violations of data use and disclosure without consent - FERPA ( Family Educational Rights and Privacy Act ), 20 U.S.C. 1232g While primarily educational, this law establishes precedent for data misuse and record correction rights that apply to federal recordkeeping systems.

- 18 U.S.C. 1028A Aggravated Identity Theft, where false data attribution has harmed my standing, reputation, and credit capacity.

I demand : - Immediate deletion of the inaccurate bankruptcy entry from my credit file - Written confirmation of resolution from all three agencies - Investigation into how this data was verified despite denials by the original data holders ( PACER and the Court ) - Accountability for damages due to false reporting and failure to respond adequately to disputes If the CFPB fails to take action after this final complaint, I will proceed with a lawsuit and notify the Office of Inspector General, the FTC, and the DOJ Public Integrity Section.

Attached are verified copies of the letters from PACER and the U.S. Bankruptcy Court.

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 2025-08-16 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: WI

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Experian, and XXXX for Inaccurate and Fraudulent Reporting of Bankruptcy Information Dear CFPB Investigator, I am filing this complaint to formally dispute the continued, unlawful reporting of a XXXX XXXX Bankruptcy on my consumer credit reports by TransUnion, Experian, and XXXX XXXX XXXX. I have disputed this erroneous information for over XXXX years and have submitted the following documents proving its inaccuracy : XXXX. A direct letter from the U.S. Bankruptcy Court ( Wisconsin ), affirming that it does not furnish or report data to credit agencies.

2. A signed email from the PACER ( Public Access to Court Electronic Records ) Service Center confirming they do not report or contact any credit bureaus.

3. Multiple written disputes and demands for reinvestigation sent to each agency. 

Despite this, these agencies have continued to report the bankruptcy as " verified '' without identifying the original sourceconstituting fraud, misrepresentation, and multiple violations of federal law. 
Legal Violations Cited : - Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681i Failure to investigate and correct inaccurate information - 15 U.S.C. 1681b Lack of permissible purpose for continued reporting - 15 U.S.C. 1681n/o Willful and negligent noncompliance, entitling me to damages - Privacy Act of 1974 Violations of data use and disclosure without consent - FERPA ( Family Educational Rights and Privacy Act ), 20 U.S.C. 1232g While primarily educational, this law establishes precedent for data misuse and record correction rights that apply to federal recordkeeping systems.

- 18 U.S.C. 1028A Aggravated Identity Theft, where false data attribution has harmed my standing, reputation, and credit capacity.

I demand : - Immediate deletion of the inaccurate bankruptcy entry from my credit file - Written confirmation of resolution from all three agencies - Investigation into how this data was verified despite denials by the original data holders ( PACER and the Court ) - Accountability for damages due to false reporting and failure to respond adequately to disputes If the CFPB fails to take action after this final complaint, I will proceed with a lawsuit and notify the Office of Inspector General, the FTC, and the DOJ Public Integrity Section.

Attached are verified copies of the letters from PACER and the U.S. Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief