vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: MA

Complaint narrative:
I am disputing several inaccurate and unverifiable accounts, collections, and inquiries that continue to appear on my credit reports despite multiple disputes and reinvestigations. For example, XXXX XXXX is reporting numerous late payments throughout XXXX and XXXX, yet they have never provided signed documentation or proof that these entries are accurate. XXXX Bank is reporting a charged-off account with a balance of {$3200.00}, but the balance information has been inconsistent across updates, which violates the FCRA requirement for accuracy. XXXX XXXX XXXX is reporting a charged-off auto loan with a repossession balance of {$18000.00}, but no valid documentation of repossession has ever been produced. Additionally, several collection XXXX XXXX XXXX ( {$2500.00} ), XXXX ( {$1500.00} ), and XXXX ( {$1500.00} ) continue to report without providing validation of debt as required under the FDCPA. On top of that, XXXX XXXX XXXX is reporting a repossession, even though the balance has been paid and should no longer reflect negatively. I have also discovered multiple unauthorized hard inquiries between XXXX and XXXX, including by Capital XXXX, Ally Financial, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and others, none of which had permissible purpose under FCRA 604 . Despite repeated disputes, these accounts and inquiries remain, and the credit bureaus have failed to correct or remove them as required under FCRA 611. These continued inaccuracies are damaging my credit profile and demonstrate that proper investigations are not being conducted.

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 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding OneMain Financials denial of my credit application and the resulting hard inquiry on my credit file. 

On XX/XX/year>, OneMain Financial responded, but their letter did not address my core concern. Instead of providing the legally required specific reasons for my credit denial, they issued a general statement about soft inquiries and lending practices. 

Their response was incomplete, inaccurate, and failed to comply with the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which require creditors to provide applicants with a clear and specific adverse action notice. I also have documented proof that a hard inquiry from OneMain Financial is present on my credit file, directly contradicting their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 -Date Opened XX/XX/year>

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
While walking on the street in XXXX on XX/XX/year>, I was approached by XXXX individuals on a motorcycle. They stopped and took my backpack, which contained XXXX cellphones, a laptop, cash, and other belongings. On the same day, they made multiple unauthorized XXXX transactions using my cellphone, totaling {$10000.00}. Bank of America did not block these transactions. 
I filed a police report in XXXX at the Office of the Attorney General, and opened a claim with Bank of America ( claim # XXXX ). However, my claim was declined on XX/XX/year> ( denial letter attached ). 
When I called to understand why, I was told that their investigation found the transactions were completed using a device consistent with previous valid account activity. I explained everything that happened and told them to read the police report. They told me they had not received the police report as evidence ( email attached ). 
I requested the Bank to reopen the case for reconsideration and re-send the police report as evidence ( both via email and FAX ). On XX/XX/year>, I called the bank and requested a status of the claim and I was informed it was denied once more. I requested the bank to provide details on the denial and they did not have anything to share with me.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-05 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an account for the purpose of using it to take advantage of a well timed investment opportunity. I am a successful sophisticated investor. When I went to wire my funds for this opportunity I was debanked and my funds are frozen.

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 monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-05 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has several negative accounts reporting inaccurate 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXXI am disputing multiple fees charged to my American Express account ending in XXXX  in XXXX, totaling $XXXXAlthough I was enrolled in AutoPay and my bank account had sufficient funds, Amexs system repeatedly failed to process payments. I also could not make manual payments due to account errors. Despite contacting Amex support several times, the issue was never resolved.XXXXXXXXAs a result, Amex charged me the following fees:XXXX XXXX   Late Fee  $XXXX XXXX  Late Fee  $XXXX XXXX  Returned Payment Fee  $XXXX XXXX  Returned Payment Fee  $XXXXTotal: $XXXXOn XXXX XXXX XXXX, I escalated the issue through Amex chat, and the matter was recorded under reference number XXXX. Amex refused to reverse the fees, even though the errors were caused by their payment system and not by insufficient funds.XXXXRequested resolutionXXXXFull refund of $XXXX  in fees.XXXXCorrection of my account balance.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Attorneys USA LLC
State: TN

Complaint narrative:
I had a pay day loan through XXXX XXXX and unfortunately I couldnt make the payments so they sold it to a debt collection agency called Collection Attorneys USA LLC. I called them and set up a payment plan a few weeks ago, and within 4 days, my personal debit card information had been compromised. Someone was trying to use my card for hundreds of dollars in the same city and state that the debt collection agency is located. I told them I couldnt give my card information anymore since it was compromised the first time, so they suggested a prepaid card. I then asked for written validation of the debt mailed to my address, and they refused and said they could only send it to my email. I also asked if they could send a receipt to my email after every payment I make, and they said no. Im at loss on what to do. Theyve called my workplace multiple times after Ive asked them not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed inaccurate information being reported. The account in question is listed under [ Jefferson Capital System LLC, with an alleged balance of {$480.00} I have never received proper validation of this debt, nor have I signed or entered into any agreement with this company. I previously contacted the company on XX/XX/year> requesting documentation and proof of this debt, but I did not receive the required information. Despite this, the account continues to be reported, negatively impacting my credit. 

This account is inaccurate and unverifiable. I am requesting that it be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am the estate representative for my deceased father, who passed away on XX/XX/year> His estate is valued at approximately {$1500.00} and qualifies as a small estate under New Jersey law. 

On or around XX/XX/XXXX, I uploaded a Letter of Instruction through Bank of Americas third-party estate portal. Shortly afterward, I was locked out of the system, preventing me from accessing or verifying the submission. Bank of America later confirmed the letter had been received but took no further action. 

On XX/XX/XXXX, I visited a Bank of America branch in person and re-submitted all necessary documents to release the estate funds, including : Certified Death Certificate Affidavit of Heirship / Small Estate Affidavit, Form L8 ( Inheritance Tax Waiver ) My photo ID Despite having everything they needed, Bank of America continued to delay. On XX/XX/XXXX, they admitted the Letter of Instruction was not required and waived it but still failed to issue the check. I have received no clear communication or release of funds since then. 

As a result of these ongoing delays, I am now facing financial harm : My fathers storage unit, which is part of the estate, is incurring late fees, and I am at risk of losing his personal property entirely. This situation is no longer a delay it is actively damaging the estate and interfering with my legal duties as its representative. 

Bank of America has had all legally required documents for over two weeks. Their refusal to release funds is now causing economic and emotional harm, and they must be held accountable.

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 2025-09-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: T.S. Holdings
State: FL

Complaint narrative:
Asked to verify debt was told i couldnt do so and needed to send email, asked for the email was told i couldnt get emails per company policy, Phone call was recoreded and can submit to them. XXXX XXXX was extremely rude and unpfrofessional. 

Asked for breakdown of costs assiociated with move out onm XXXX no repsonse, have tried contacting through portal, through the phone and via mail. no response recieved call from IQ Data XXXX on XXXX with big threats of credit reporting and no ability to set up arrangements asked to verify the debt with no avial, also asked for email or other written documentation that has not been recieved. Threatened to charge interest on said debt.

Company response to consumer: Closed with explanation