vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am a victim of identity theft. Several accounts and hard inquiries have been fraudulently added to my TransUnion credit report without my knowledge or consent. These accounts were not authorized by me, and I did not apply for credit with the companies involved. 

The following items are being reported incorrectly XXXX XXXX XXXX XXXX XXXXXXXX account for {$600.00}, opened on XX/XX/XXXX. 
XXXX XXXX XXXX and sold account, opened on XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX ) XXXX account for {$650.00}, opened on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) Collection account for {$820.00}, opened on XX/XX/XXXX. 
Hard inquiries from : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). 

I have submitted an FTC Identity Theft Report and supporting documents to TransUnion and am requesting that these fraudulent accounts and inquiries be permanently removed under FCRA 605B. These items are harming my credit and do not reflect my true credit behavior.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One for systemic FCRA violations regarding account : XXXX FAILURE TO NOTIFY OF ADVERSE CHANGE ( FCRA 623 ( a ) ( 7 ) ) Capital One never notified me when they changed my account status to " Charge Off '' ( a material adverse change ), depriving me of my right to dispute this information within 30 days as required by law.

FRAUDULENT RECURRING REPORTING ( FCRA 623 ( a ) ( 1 ) ( A ) ) Capital One continues to falsely report " Charge Off '' status monthly despite : " Charge Off '' being a single-event occurrence ( month originally charged off : [ Month/Year ] ) FTC guidelines explicitly prohibiting recurring charge-off reporting ( FTC Staff Opinion Letter, XXXX  XXXX This creates false appearance of ongoing delinquency, damaging my credit score.

FAILURE TO CORRECT INACCURATE REPORTING ( FCRA 623 ( b ) ) Despite my written dispute dated [ Date of Previous Dispute, if any ], Capital One : Still reports this inaccurate status as of [ Current Date ] Has provided no evidence justifying monthly reporting Refuses to correct the historical record Financial Harm : This inaccurate reporting has directly caused : Denial of credit applications Higher interest rates offered Inability to secure housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This account has been mark on my credit report as I owe a debt. I have in no circumstances applied or done business with this company that would warrant such an action against me. After an apartment screening report I received knowledge of a eviction filing XXXX this case that was filed is the result of identity theft

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. I APPLIED FOR CARD A COUPLE OF DAYS AGO AND NOTICED THAT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE HELP ME TO RESOLVE MY ISSUE AS SOOSN AS POSSIBLE

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 2025-08-02 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  acct # XXXX XXXX DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, XXXX  acct # 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 2025-08-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  acct # XXXX XXXX DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, XXXX  acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: AZ

Complaint narrative:
I am calling the attention to the bureau on my disbelieve of the unfair act by placing such unlawful collection on my consumer report which violate The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, please remove this as soon as possible. 

XXXX XXXX XX/XX/year>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 2025-08-02 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:
I am calling the attention to the bureau on my disbelieve of the unfair act by placing such unlawful collection on my consumer report which violate The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, please remove this as soon as possible. 

XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCM Finance LLC
State: LA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under FCRA XXXX XXXX, the credit reporting agency must verify the accuracy of the disputed information within 30 days. If the information can not be properly verifiedincluding original contracts, signatures, chain of assignment, and payment historythen it must be deleted from my credit report. 

Note that a simple automated response from e-Oscar or a generic statement from the furnisher does not fulfill the legal requirement for full verification. I am requesting manual verification with documentation, not just a superficial confirmation. 

Additionally, per FCRA 1681i ( a ) ( 5 ) ( C ), any item previously deleted as a result of a dispute can not be reinserted into my credit report unless the furnisher certifies its accuracy and I am notified in writing within XXXX business days. If any of the disputed items are reinserted without proper notice and certification, I will consider this a violation and report it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with a copy of my government-issued ID and proof of address for identity verification purposes. 

Please complete this reinvestigation within the XXXX period as required, and notify me in writing of your findings. If the accounts can not be fully verified with documented proof, they must be deleted permanently from my report.

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 2025-08-02 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: MI

Complaint narrative:
Under FCRA XXXX XXXX, the credit reporting agency must verify the accuracy of the disputed information within 30 days. If the information can not be properly verifiedincluding original contracts, signatures, chain of assignment, and payment historythen it must be deleted from my credit report. 

Note that a simple automated response from e-Oscar or a generic statement from the furnisher does not fulfill the legal requirement for full verification. I am requesting manual verification with documentation, not just a superficial confirmation. 

Additionally, per FCRA 1681i ( a ) ( 5 ) ( C ), any item previously deleted as a result of a dispute can not be reinserted into my credit report unless the furnisher certifies its accuracy and I am notified in writing within XXXX business days. If any of the disputed items are reinserted without proper notice and certification, I will consider this a violation and report it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with a copy of my government-issued ID and proof of address for identity verification purposes. 

Please complete this reinvestigation within the XXXX period as required, and notify me in writing of your findings. If the accounts can not be fully verified with documented proof, they must be deleted permanently from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Under 15 USC 1681s-2 ( b ), you violated my rights by unlawful communication. This collection is invalid. Remove it from my credit report immediately or I will pursue all legal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
XX/XX/year> I deposited XXXX into my account today for a bill chime took my money for a repayment fee unauthorized I never received any notice saying about anything Ive been depositing money for the past 6 months and they have not took any money for repayment I told them they cant pick and choose when they can take my money thats not fair I dont receive any notice down in my pictures is all deposits I made but yet they never took them out of any of them makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-02 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: MS

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting Closed Accounts Paid in Full and in Good Standing To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Equifax credit report. After reviewing my credit file, I noticed that certain accounts that were paid in full and closed in good standing are either : Not reflecting their proper paid/closed in good standing status. 

These inaccuracies are negatively impacting my credit profile and may lead to unjust denial of credit opportunities. 

Below are the account details in question : Account Name : XXXX XXXX Bank Account Number XXXX Issue : Account was paid in full and closed in good standing, but is being reported as insert inaccuracy : OPEN Supporting Documentation Included : Most recent copy of my Equifax credit report ( highlighted ) My identification documents ( drivers license and utility bill ) I am requesting that Equifax immediately investigate and correct these inaccuracies to reflect the accurate status of the accounts as closed, paid in full, and in good standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that the results of this dispute be shared with me in writing within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I received a cashiers check from my brother and deposited it into my TD Bank account on a Friday. I was informed that I would need to wait until after the weekend for the check to clear. On Tuesday, the check cleared, and I went into a branch to withdraw funds. However, I was told I could not access my money, and the staff could not provide a reason why. 

After leaving the branch, I called TD Bank and was informed that the representative I spoke with had placed a freeze on my account. I was told to wait until the freeze was lifted. After several days of waiting, I was told that TD Bank had decided to close my account and no longer wished to do business with me. I was told a check with my remaining balance would be mailed to me. 

It has now been several weeks, and every time I follow up, I am told that the account is still in the process of being closed and that nothing further can be done at this time. I still have not received my funds, and I have not been provided with a clear explanation or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EdFinancial Services
State: VA

Complaint narrative:
I am filing this complaint regarding multiple Edfinancial Services student loan accounts that are being inaccurately reported to the nationwide credit bureaus ( XXXX, XXXX, and XXXX  ). These accounts show a history of late payments and inconsistent account information that I believe to be incorrect or unverifiable. 

The affected tradelines include at least the following account numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts report different information across the three credit bureaus, including inconsistent late payment dates, balances, and account histories. I submitted a written dispute to Edfinancial requesting a reasonable investigation and verification under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ). I asked them to validate the accuracy of the tradelines or correct/delete them if they can not be verified. 

To date, I have not received a satisfactory response or validation of the reported data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a mortgage loan through Bank of America for the property located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, under their Physician Loan program as a practicing physician. After receiving the home inspection report, I decided not to proceed with the purchase and clearly communicated my intent to withdraw the application via Bank of Americas secure message system on or around [ insert date ], and also confirmed this by phone. 

Despite this, I later received a letter stating the loan was denied, citing funding issues, XXXX ( Debt-to-Income ) concerns, and a missing letter from my landlord confirming lease termination. However, these issues were never finalized because I had already withdrawn the application prior to any formal denial. 

XXXX point during the process involved the loan officer seeking clarification with underwriting regarding the source of funds. Eventually, he confirmed the funds were acceptable. While I also had additional liquid assets in XXXX XXXXh and XXXX XXXX retirement accounts, I did not submit documentation at that time, as I was waiting for underwriting clarification and had already decided to withdraw. 

I can provide documentation showing the value of these XXXX and XXXX retirement accounts, which would have demonstrated my qualifications to receive the loan had I chosen to proceed. 

I respectfully request that Bank of America : XXXX. Correct the loan file to reflect a status of withdrawn by applicant rather than denied. 
XXXX. Provide a written confirmation letter acknowledging this correction. 
XXXX. Ensure that this is not reported or misclassified in any internal or external lending systems as a denial. 

XXXX XXXX XXXXXXXX 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