vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HEIGHTS, OH XXXX XXXX XXXX XX/XX/XXXX Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Opened Date : XX/XX/XXXX Chapter XXXX bankruptcy XXXX Date Filed : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/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
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I'm sending this complain to request removal of negative items from my file

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 2025-05-14 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On or around XX/XX/year>, Bank of America closed my newly opened checking account. The letter stated the reason was their inability to verify my identity and noted that they may report the closure to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, Bank of America had already mailed me a debit card and allowed the account to be opened and activated, which confirms they had already verified my identity. 

I then requested my full consumer file disclosure from XXXX, which I received on XX/XX/scrub>XXXX XXXX XXXX It showed no derogatory or risk-related information. The only account listed was a voluntarily closed XXXX XXXX XXXX account marked as ClosedPurged, which XXXX defines as not negative and not affecting score or eligibility. 

Despite this, I was given no clear or consistent explanation by either Bank of America or XXXX XXXX XXXX. I have no prior negative banking history and this situation has prevented me from opening an account elsewhere.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the inaccurate late payment entries being reported on my Equifax credit report for XXXX XXXX XXXX ( Account Numbers : XXXX ) and XXXX XXXXXXXX ( Account Number : XXXX - Reporting Balance & Past Due : {$0.00} ). These entries reflect late payments despite being paid on time or having no outstanding past due balances, which is not only misleading but also a clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Inaccurate late payment reporting can have a significant negative impact on my financial stability, resulting in higher interest rates, reduced credit access, and long-term financial harm. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns about Equifaxs failure to conduct proper investigations. In a recent lawsuit, the CFPB alleged that Equifax engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failing to adhere to these requirements constitutes a violation of federal law and directly impacts my financial stability by inaccurately reflecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX. Inaccurate XXXX of XXXX and XXXX The account is reported as charged off with {$200.00} written off, yet it continues to reflect an outstanding balance of {$100.00} as of XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers must report only accurate and complete information. If this debt was charged off, and especially if it was sold or transferred, the presence of a balance is misleading and may constitute inaccurate reporting. 
Furthermore, if the account is no longer legally collectible by XXXX XXXX, this continuing balance misrepresents my financial obligation and may constitute double reporting, a deceptive practice under FCRA 623 ( a ) ( 5 ). 

XXXX. Conflicting and Outdated Information The account reflects a last payment date of XX/XX/XXXX, yet the status was last updated in XX/XX/XXXX. This contradiction indicates that the reported information is not current or properly maintained, in violation of FCRA 607 ( b ), which mandates that consumer information be complete and up to date. 

XXXX. Misleading Credit Utilization The account lists 105 % credit usage on a closed and charged-off tradeline. Since the account is no longer active, it should not factor into my utilization ratio. This misreporting has a significant negative effect on my creditworthiness and violates the standard for fair and accurate representation under FCRA 607 ( b ). 

XXXX. Failure to Accurately Report Account Status The account was closed at the creditors request, but it is still reflecting an unpaid balance and delinquency despite the charge-off and potential sale of the debt. This status is misleading and may create confusion for future lenders or automated scoring systems, violating FCRA 623 ( a ) ( 2 ) regarding duty to correct and update information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Multiple attempts to settle debt with debt collector, debt collector refusing to accept settlements. 

Debt collector is predatory, aggressive with intent to slander and destroy with aggressive legal tactics. 

Failure to properly notice consumer with Motion to issue Writ resulting in garnishment order sent to employer without notice.

Debt collector is intentionally destroying consumers reputation. Generally, due process requires that individuals be given proper notice and an opportunity to be heard before being deprived of their property. 
In the context of garnishment, this typically means the debtor should receive notice of the garnishment action, including the writ and related documents. 
Florida law, for instance, requires a " Notice to Defendant '' to be provided to individuals whose wages are being garnished, outlining the garnishment and the right to claim exemptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate charge-off entries being reported on my Equifax credit report for XXXX XXXX  ( Account Number : XXXX ) - {$8500.00}, XXXX XXXX XXXX ( Account Number : XXXX ) - {$37000.00}, and XXXX XXXX XXXX Account Number : XXXX ) - {$9400.00}. These accounts are being reported as charged off while still reflecting balances, which is misleading and a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). This inaccurate reporting creates a false impression of my financial responsibility, suggesting ongoing delinquency and significantly harming my credit profile.

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax, the CFPB alleged that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failing to adhere to these requirements is a violation of federal law and directly impacts my financial stability by inaccurately reflecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I HAVE THE XXXX XXXX APP AND THEY NOTIFIED ME IN XXXXXXXX XXXX XXXX THAT I HAD TWO HARD INQUIRIES ON MY CREDIT REPORT WHEN I CHECKED, NEITHER OF THEM WERE ME. BOTH WERE FROM XX/XX/year> I CALLED BOTH CC COMPANIES AND REPORETED THEM AS FRAUD. BOTH COMPANIES TOLD ME THAT THEY HAD FLAGGED THEM AS FRAUD AND IT COULD TAKE 60-90 DAYS FOR THESE INQUIRES TO BE REMOVED FROM MY CREDIT REPORT. NOW ITS BEEN 4 MONTHS AND NOTHING HAS HAPPENED. THEY ARE STILL ON MY REPORT. I CONTACTED XXXX AND THEY TOLD ME TO FILE THE FRAUD WITH THE FTC AT IDENTITY THEFT. GOV AND I DID. THEY ALSO TOLD ME TO CONTACT YOU HERE AND FILE A COMPLAINT. 

FTC REPORT FOR FRAUD HAD BEEN FILED FRAUD : HARD INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-14 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-14 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, I made a mobile deposit check to my account for the amount of {$1000.00} to my checking account. This check came from an apartment complex management company that returned my down payment and was easily and completely verifiable, yet CitiBank claims I broke their policy in the client handbook and they will close my account. I am also restricted from the funds for XXXX days while they send the funds back, which is frustrating because it doesn't take XXXX days for the funds to clear. I was told the funds were already cleared, but my account is still on hold and I need this money urgently.

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 2025-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland credit calls me everyday without leaving a voicemail. They call every single day of the week once or twice a day. Sometimes they call from different numbers to try to trick me. Attached is just some of missed calls not even close to all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OK

Complaint narrative:
XX/XX/year> I have personal sent certified mail asking for proof of account or any information regarding me that they might have I refuse to pay any debt that is not mines. I havent received any response and I want it removed and deleted. False information and false account reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief