vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally raise a complaint regarding monthly fees charged to my business checking account. From XXXX to XXXX of this year, I was charged a {$29.00} monthly maintenance fee, totaling {$140.00}. 

At the end of last year, I contacted your customer service team by phone to downgrade my account specifically to avoid this monthly fee. Unfortunately, it appears that the downgrade request was not successfully processed, resulting in continued charges. 

Recently, I followed up with both phone and chat support, and the system has issued a refund for only XXXX of the XXXX months. Given that the initial error was on Bank of Americas side due to the failed downgrade request, I am requesting a refund for the remaining XXXX months fees ( {$89.00} ). 

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if any further information is needed from my side.

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 2025-07-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear CFPB, I am writing to respectfully request the reopening of my complaint against Equifax, which was recently closed based on the claim that I did not provide sufficient identification. This is factually incorrect. 

I submitted both a copy of my Social Security card and a utility bill displaying my current address, as requested. I have retained copies of these documents for my records and can confirm they were mailed as instructed. 

Today, I received a new letter from Equifax stating that these documents are still not sufficient, and again requesting the same items. This is confusing and unreasonable. 

The core issue seems to be that Equifax has my addresses incorrectly labeled on their report they have erroneously listed my current address as a prior address, which is why they claim my documents do not match their records. The identification I submitted is accurate and consistent with my actual, current residence. 

I believe Equifax is using this address mismatchcaused by their own reporting errorsas a pretext to delay or avoid investigating the inaccurate items on my credit report. I have already sent my social security card copy to them TWICE - and I felt very uncomfortable sending that in the mail. I don't know what more I can do. 

This practice is not only unfair but may violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully ask the CFPB to reopen my dispute and ensure that Equifax is held accountable to conduct a proper and timely investigation, based on the documentation already provided. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have tried to get a debt valuation letter from them. Because they reported wrong information and trying to collect more. Its been over XXXX days trying to get a letter from them and still nothing.You have claims against them from the same thing. But its still on my credit report LVNV funding. 15 US. 168 ( c ) 2. Can you please remove them. XXXX XXXX, XXXX XXXXThey are XXXX accounts on my report. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This complaint serves as my formal dispute of the accuracy and/or completeness of information contained in my consumer report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a detailed description of the reinvestigation procedure your agency conducted in response to my dispute.

I recently noticed that an item previously deleted from my credit report has been reinserted.

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), I am requesting the following : " A copy of the furnisher 's certification that the information is complete and accurate. '' " The name, address, and phone number of the furnisher that reinserted the item. '' " The date the item was reinserted. '' " Proof that I was notified within 5 business days of the reinsertion, as required by law. '' As required by law, this information must be provided to me within 15 days of this request to remain in compliance with federal regulations. Failure to comply constitutes a willful violation of the FCRA and may result in legal action. I expect a prompt response in accordance with your statutory obligations.

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 2025-07-14 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: IN

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXXXXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00}

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 2025-07-14 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$120.00} Open Date XXXX XXXX, XXXX XXXX Account Number XXXX Balance : {$550.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX Balance : {$520.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$170.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-14 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: NC

Complaint narrative:
Dear CFPB, I am filing a formal dispute against the inaccurate reporting of an account on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

Below are the details of the disputed item : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Bureau ( s ) : TransUnion and Equifax Status : XXXX  Days Late / Past Due : {$1400.00} Balance : {$9100.00} Payment History : Reporting multiple late payments ( XXXX, XXXX, XXXX, XXXX days ) This account is being inaccurately reported. I dispute its validity and accuracy for the following reasons : 1. I am listed as an Authorized User, not the primary account holder. Under 15 USC 1681a ( k ) ( 2 ) ( A ), information from accounts for which I am not legally responsible must not be used to negatively affect my credit score or be used in a manner inconsistent with my actual credit history.

2. This account reflects severe delinquencies that I am not liable for
, as I never opened, owned, or controlled this account. Any reporting of late payments or past due balances under my name constitutes inaccurate and misleading information per 15 USC 1681i ( a ) ( 1 ) ( A ), which entitles me to an immediate reinvestigation and correction.

3. The continued reporting of this account as delinquent under my profile as an Authorized User is in violation of 15 USC 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my Chase debit card was stolen and used fraudulently. I reported the theft to Chase immediately and submitted a police report, along with documentation showing I did not authorize the charges. Despite this, my fraud claims were denied twice by Chase without adequate explanation. 

The disputed charges totaled {$1800.00}. I did not benefit from or authorize these transactions. I followed all required steps to dispute the charges and provided the requested documentation, including a police report and my written statement. 

I believe Chase has failed to uphold its responsibility under the Electronic Fund Transfer Act ( for debit ) or the Fair Credit Billing Act ( for credit ), and I am requesting CFPB assistance in resolving this matter. I would like Chase to review my case again and provide a full reimbursement of the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account referenced in my credit report. According to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), your communication practices have violated my rights, and I request that this collection account be removed from my credit report immediately.

Please provide written confirmation of the removal of this account. Additionally, if you fail to comply, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I expect a response within 30 days of receipt of this letter. Please send all correspondence to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
On XX/XX/year>, a hard inquiry was made on my credit report by XXXX XXXX XXXX ( a mortgage-related company ). I never gave written or verbal consent for a hard credit pull. I was reviewing HELOC terms and never completed an application or authorized a hard inquiry. 

The companys website did not clearly disclose that a hard pull would occur at that stage, nor was there any checkbox or statement that I consented to a full credit inquiry. When I contacted the company to request removal, they stated that this was automatically triggered by their process and they could not reverse it. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires clear, informed consent for a hard inquiry. I am requesting the removal of this unauthorized inquiry from my Experian report and a formal investigation into the companys procedures.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 submitting this complaint because TransUnion and Experian have reported late payments on my Dept. of Education XXXX XXXX student loan account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are both inaccurate and unlawfully disclosed. Specifically, the bureaus have reported 90, 120, and 150+ day delinquencies, which I formally dispute. 

These late payment entries violate 15 U.S.C. 1666b of the Truth in Lending Act, which requires creditors to allow a reasonable amount of time to make payments before classifying them as late. There is no evidence that such a reasonable window was provided in this case. Additionally, the reporting of my student loan statusan educational recordwas done without my written consent, which constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ). 

I have already submitted direct disputes to the credit bureaus demanding the removal of this harmful and illegally reported information. Despite that, they have failed to take corrective action. 

I am requesting the CFPB to intervene immediately and enforce compliance. I demand that TransUnion and Experian permanently delete all negative payment history associated with this account within 4 business days, as continued reporting of these entries is unlawful and damaging to my credit and personal rights.

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 2025-07-14 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-14 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: CBC Companies, Inc.
State: SC

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 explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: UT

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland credit calls everyday about an outstanding debt. I have no outstanding debts and have asked to furnish proof in writing, they just keep calling and never send any information by mail as requested

Company response to consumer: Closed with explanation