vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX ( For bank or america ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account No. [ XXXX ] Formal Dispute and Cease Harassment To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby notified of the following : Harassment Prohibited 15 U.S.C. 1692dYour repeated calls, threats, or other conduct designed to annoy, abuse, or harass me violate 1692d. This includes, but is not limited to, excessive phone calls, hostile tone, and any suggestion of legal action that you are not both authorized and intending to pursue. Let me be clear : such conduct is unlawful and will not be tolerated.

Validation Required 15 U.S.C. 1692g ( b ) Until you provide proper verification of the alleged debt including the original creditors name, itemized accounting, and legal proof that you have the right to collect you must immediately cease all collection efforts. 
Cease Harassment & ContactI demand that you stop contacting me by phone entirely. Any further communication must be in writing only, sent to the mailing address listed above. 

Sincerely, 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 2025-09-10 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a thorough review of this bankruptcy entry, and if it can not be substantiated, I ask that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: LA

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 XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  data breach. These items are inaccurate and must be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  XXXX breach. These items are inaccurate and must be deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-10 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: GA

Complaint narrative:
You are reporting a FRAUDULENT ACCOUNT on my credit report which is XXXX XXXX XXXX XXXX with the amount of {$25000.00}. I am not aware of this account nor ownership of this account. THIS ACCOUNT IS NOT MINE. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
The investigation did not fix an error on my credit 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 2025-09-10 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: LA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: GA

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a closed auto loan account on my credit reports. 

This account was closed over a year ago, but it is now being falsely updated to show as recently closed on XX/XX/year>. This is factually incorrect and misleading. 

Additionally, the account is being reported simultaneously as a charge-off and a repossession, which violates Metro 2 reporting standards and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), requiring maximum possible accuracy in consumer reporting.

To make matters worse, late payments are still being reported after the account was closed, which is not only inaccurate but has significantly harmed my payment history and overall credit score.

I have disputed this multiple times directly with the credit bureaus and Bridgecrest, but the inaccurate reporting continues. This is severely affecting my financial stability, my ability to obtain housing, and access to fair credit opportunities.

Bridgecrests reporting is also re-aging the account by making it appear more recent than it truly is. This is a direct violation of FCRA 1681c ( a ) ( 5 ), which prohibits outdated information from being reported, and violates my rights as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a closed auto loan account on my credit reports. 

This account was closed over a year ago, but it is now being falsely updated to show as recently closed on XX/XX/year>. This is factually incorrect and misleading. 

Additionally, the account is being reported simultaneously as a charge-off and a repossession, which violates Metro 2 reporting standards and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), requiring maximum possible accuracy in consumer reporting.

To make matters worse, late payments are still being reported after the account was closed, which is not only inaccurate but has significantly harmed my payment history and overall credit score.

I have disputed this multiple times directly with the credit bureaus and Bridgecrest, but the inaccurate reporting continues. This is severely affecting my financial stability, my ability to obtain housing, and access to fair credit opportunities.

Bridgecrests reporting is also re-aging the account by making it appear more recent than it truly is. This is a direct violation of FCRA 1681c ( a ) ( 5 ), which prohibits outdated information from being reported, and violates my rights as a consumer 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 non-monetary relief
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
This is my third attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within four business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute concerning fraudulent accounts currently reported under my name. I did not open, authorize, or consent to these accounts, and their presence is both inaccurate and damaging. These false entries must be corrected without delay.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I closed this account with a XXXX balance in XX/XX/XXXX. However, it was reported that I owed {$90.00} on my credit report XX/XX/XXXX. After disputing this, the debt item was was completely removed from all three of my credit reported agency. Now, they are asking for a reduced amount of {$43.00}, but I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have a couple fraud accounts on my credit report thats not mines and i have a police report attached to this. Please remove from my credit report asap trying to buy a house closing in 30 days

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-10 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-10 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: NC

Complaint narrative:
My identity was compromised I have provided requested proof of address, social security cards police report and FTC reports. I have worked with several law enforcement agency and creditors to get these items removed and yet they keep coming back as verified when disputing with the bureaus. Im trying to figure out how they are coming back as verified when I speak with the creditors and nothing was requested of them and no one has contacted them. I asked the bureaus for method of verification for said accounts twice and no one seems to have those requests. Twice. Funny how I can dispute something within the next hours its updated and verified how especially on Experian. Im filing this complaint because I want the method you guys used to verify these accounts that you say are verified as I lawfully requested. And I know you dont have them because they arent any Ive called and checked everyday since XX/XX/year> or delete the accounts. The accounts are! 
Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX  ( Balance {$3500.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1700.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1800.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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