vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Government shutdown and Bank of America levy my account to a XXXX balanced taking XXXX dollars for a hold. The contact number is invalid as the govt shutdown wont allow contact to validate the levy so it rendered all bills returned. How can it be a govt shutdown but levy enforced and you cant speak with anyone and no notification from Bank of America.?

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 2025-10-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection 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 2025-10-24 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: NC

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-24 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: TrueAccord Corp.
State: FL

Complaint narrative:
am reporting a fraudulent account appearing on my credit report under the name XXXX. I have never had a XXXX account at any point in my life, and I did not authorize or open any account or service with this company. This account is completely fraudulent and appears to be the result of identity theft or credit reporting error. i had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This false account is severely damaging my credit profile and has already prevented me from being approved for a home purchase, loans, and other credit opportunities. I have contacted the credit bureaus and XXXX directly, but this inaccurate account remains on my report. 

I am requesting immediate investigation and removal of this fraudulent account from all of my credit reports XXXX XXXX XXXX XXXX XXXX XXXX. I am also requesting written confirmation once the account has been deleted and my credit file corrected. 

This issue is urgent and causing significant financial harm. Please take action as soon as possible to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
Around XX/XX/year> I had made multiple purchases. I was refunded {$400.00} something dollars from XXXX and Chime never refunded my money to my account. I made multiple complaints and multiple phone calls to representatives. Made multiple claims. They denied my money. I am not please. I dont care how long its been. I want whats owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) F

URNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - the inquiry was not authorized.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Credit Collection Services ( XXXX ) XXXX XXXX XXXX XXXX, MA XXXX RE : Cease and Desist / Request for Debt Validation Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Credit Collection Services Date Opened : XX/XX/XXXX Amount Reported : {$630.00} Date Reported : XX/XX/XXXXXXXX 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 2025-10-24 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I discovered multiple inaccurate and unverifiable accounts being reported on my credit reports by the credit bureaus ( Experian, Equifax, and TransUnion ). These items do not belong to me and were not verified properly after I submitted written disputes. The bureaus failed to provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, they have continued to report these accounts even after being notified that they are unverified, outdated, and not tied to my current address, which violates 1681e ( b ) and 1681i ( a ) of the FCRA. They also allowed unauthorized hard inquiries to remain, which constitutes an impermissible access under 1681b ( f ).

Ive repeatedly requested that the bureaus delete these items or provide proper verification, but they have not complied within the 30-day timeframe mandated by law. Their actions have caused financial harm, stress, and potential denial of credit opportunities.

I am requesting that the CFPB require each bureau to conduct a lawful reinvestigation, permanently delete the inaccurate accounts and inquiries, and provide me with updated reports reflecting these corrections.

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 2025-10-24 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: TX

Complaint narrative:
I discovered multiple inaccurate and unverifiable accounts being reported on my credit reports by the credit bureaus ( Experian, Equifax, and TransUnion ). These items do not belong to me and were not verified properly after I submitted written disputes. The bureaus failed to provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, they have continued to report these accounts even after being notified that they are unverified, outdated, and not tied to my current address, which violates 1681e ( b ) and 1681i ( a ) of the FCRA. They also allowed unauthorized hard inquiries to remain, which constitutes an impermissible access under 1681b ( f ).

Ive repeatedly requested that the bureaus delete these items or provide proper verification, but they have not complied within the 30-day timeframe mandated by law. Their actions have caused financial harm, stress, and potential denial of credit opportunities.

I am requesting that the CFPB require each bureau to conduct a lawful reinvestigation, permanently delete the inaccurate accounts and inquiries, and provide me with updated reports reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was served with a summons to appear in civil court on XX/XX/XXXX @ XXXX. The plaintiff is Capital One, N.A. and is being represented by the following attorney 's office : XXXX XXXX XXXX, XXXX CA Debt Collection License No. XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX are attempting to collect a debt owed to Capital One in the amount of {$5200.00}. I answered the complaint on XX/XX/XXXX without assuming the burden of proof where it otherwise rests with Plaintiff and asserted the following affirmative defenses : lack of standing, failure to state a claim, statute of limitations, lack of privity/no contract, improper assignment, unjust enrichment, and laches and estoppel. I also requested for debt validation/demand for production of a copy of the original signed credit agreement or contract showing my signature and terms, a complete accounting of the alleged debt, including all transactions, payments, interest, fees, and charges, an affidavit of truth from a competent witness with personal knowledge of the account and records, the name and address of the original creditor and the chain of title, showing all assignments or transfers of the alleged debt. 

In XX/XX/XXXX, I received a response from XXXX XXXX with XXXX and XXXX, XXXX demanding admission or denial of " truth of facts ''. On XXXX XXXX, XXXX I provided a response to Specially prepared interrogatories, XXXX XXXX, a response to requests for admission to defendant, set one and a response to plaintiff 's demand for production of documentation. To date, I have yet to hear back from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My claim # is XXXX : I was in XXXX  from XX/XX/XXXX - XX/XX/XXXX ( because someone used my identity when they got stopped by police and decided to smash off after providing them with a ID I lost ; they were able to get away but a warrant was issued in my name, and later I was XXXX  for XXXX i didnt have nothing to do with. I got real sick and was able to get XXXX XXXX  ) ; the check was sent dated XX/XX/XXXX, and cashed XX/XX/XXXX using my drivers license that was stolen from me along with my car ssn card CA ID at XXXXXXXX XXXX XXXX  in XX/XX/XXXX. Ive provided paperwork verifying I was in XXXX  the date the check was cashed but Bank of America keeps denying my denying my claim and I have to keep going to the branch I identify myself just to reopen my claim they keep denying me Ive been going through this since XX/XX/XXXX. My issue is Im very sick and dont have the energy or strength to keep going through this repeatedly and getting know where. Im fighting for my life right now battling XXXX XXXXXXXX with a XXXX XXXX and a XXXX behind my XXXX  Im doing XXXX and XXXX  now because the XXXX messed up my XXXX the XXXX XXXX is affecting my memory more and more everyday. Treatment is expensive and was more than grate ful Bank of America sent me a check for {$9900.00} it wasnt in my mailbox so I called to request for another to be sent thats when I find out it had already been cashed and Ive been filing claims over and over just for them to be denied. Everyday its a blessing just for me to be able to wake up and as long as Im able to do that and my mind havent drifted off somewhere Im gon na keep filing this claim until it is approved according to guidelines of Regulation E and the Uniform commercial code i no I am entitled to reimbursement for this fraudulent transaction. The circumstances of this case clearly show that I had no opportunity or ability to authorize the fraudulent check I am confident that upon further review, the fraudulent nature of this transaction will be clear with your help

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I told this company to contact me at my phone number, i asked them if they can take a pyament plan on this account i can afford {$300.00} per month, I need to buy a home in 12 months from now so i want this fixed but they refuse to take a payment plan and i do not understand I can not pay this in full at one time i need a payment plan

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