vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I suddenly found that my credit card with Bank of America stopped working and started receiving email alerts about returned checks from other credit card companies. 

I called Bank of America then got told that my checking account was frozen and my credit card was closed, and they used a fake excuse that they could not reach me after many attempts. They lied badly about the communication they made. I received no mail from Bank of America during that period nor phone calls from them. They mentioned that their " XXXX  '' team made had done all of these. 

I've been a PLATINUM HONORS member for XXXX years, and I used BoA accounts as the default checking account for credit card auto-payments. They unprofessional behaviors caused many troubles to me and I got charged hundreds of dollars of returned check fees and late fees by credit card companies. 

After having talked with BoA representatives, including XXXX agents from their stupid XXXX  team, they fixed some minor problems for me. But, they declined to reopen the credit card and they insisted on their lies about the fake communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am a victim of identity theft. there is incorrect fraudulent names and address and accounts on my credit report that have no association with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
The date of last reported update is XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my Equifax report. When I compare this to the Transunion report Transunion has the date of last reported update as XXXX. Transunion has a balance amount of {$820.00} and Equifax has a balance of {$540.00}. I'm concerned that Transunion is reaging this account. Experian lists the date of last reported update as XXXX. 
It seems like the bureaus are reaging this account. These are inaccuracies. It is not legal to report inconsistent balances across bureaus. It seems like the date of XXXX delinquencies is being changed or is different with each bureau. They should reflect the month and year XXXX delinquent. They are reporting charge off status every month. These same problems are happening for all the companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all the rest listed on the 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 2025-04-16 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: CA

Complaint narrative:
The date of last reported update is XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my Equifax report. When I compare this to the Transunion report Transunion has the date of last reported update as XXXX. Transunion has a balance amount of {$820.00} and Equifax has a balance of {$540.00}. I'm concerned that Transunion is reaging this account. Experian lists the date of last reported update as XXXX. 
It seems like the bureaus are reaging this account. These are inaccuracies. It is not legal to report inconsistent balances across bureaus. It seems like the date of XXXX delinquencies is being changed or is different with each bureau. They should reflect the month and year XXXX delinquent. They are reporting charge off status every month. These same problems are happening for all the companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all the rest listed on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

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 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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Delete hard inquies In accordance whint fair credit reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rigths.

* 15 USC 1681 section 602 A.State I have the rigth to privacy.

* 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

* 15 USC 1681 c. [ a ] [ 5 ] Section States : No consumer reporting agency may make any consumer report containing any of the fallowing items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 USC 1681 [ A ] [ a ] A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Between XXXX XXXX XXXX I sent a total of {$650.00} using Chimes payment system to purchase tickets for the XXXX music festival. The payments were broken down into 4 transactions : {$200.00} on XX/XX/XXXX, XXXX {$200.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. After the seller failed to provide the promised tracking information and ceased all communication, I realized I had been scammed. 

Before sending any money, I contacted Chime customer service on XX/XX/XXXX to verify that I would be protected if something went wrong. I was explicitly told by the representative that I would be able to dispute the charges and recover my money in the event of fraud. Based on this assurance, I proceeded with the transaction using Chime for the first time. 

After the seller disappeared, I contacted Chime support again, but was then informed that peer-to-peer transactions are not eligible for dispute or reimbursement contradicting the information I had been given earlier. I escalated the issue to a supervisor, explained the situation in detail, and offered to provide full documentation of the scam, including screenshots of my conversation with the seller. Despite this, I was repeatedly told that nothing could be done. The supervisor acknowledged that I had been given incorrect information by Chimes representative but did not offer any resolution or support and ultimately ended the call abruptly. 

I am filing this complaint because I relied on false information provided by a Chime employee, which directly influenced my decision to use their service. I am seeking reimbursement of the {$650.00} I lost due to this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank, Ohio. Repeatedly harassing phone calls to both myself and my father. I HAVE NEVER consented to these calls, and they are interrupting our work schedules. Do not call me to tell me about a low balance, I KNOW, it is MY account. I will be removing my fathers number on the account solely because of the harassment. I should be able to have a backup phone number and person on my account without fear of them receiving calls day after day. If this does not stop, I will continue with legal action. XXXX has also been awful regarding customer service, so I will not be wasting XXXX minutes on a phone call, this is the report. 
LEAVE. ME. ALONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I got an alert from XXXX  that my credit dropped and when I checked why it showed an account in my name was sent to collections. 

The account was with XXXX XXXX and the initial loan was taken back in XX/XX/XXXX. However, I did not take out this loan and I had never heard of the company prior to XX/XX/XXXX. 

I called XXXX XXXX first to let them know I did not take out this debt but when they looked me up they saw the loan was applied for online and there was a photo of me with my ID uploaded. When they saw this photo they were unwilling to help me. 

I then visited a local XXXX XXXX office to inquire further. This is where the clerk showed me the photo that was uploaded. The photo was older and taken roughly around XXXX based on my hair, the clothes I was wearing and the background of the photo. I was shocked by what I saw and I know I never submitted for a loan with this agency. 

The email they had on file was not mine. The address they had on file was an old address of mine. The address on their files was listed on my drivers license but I had not lived there since XXXX. Also for any important account I create I put my parents address since I occasionally move apartments and they have lived and plan to live in the same residence and I dont wish to miss any important mail they send. 
They also had the wrong employer. They had listed an employer I had never worked for. I worked the same employer ( XXXX XXXX ) since XXXX and have never had any other job besides that within that time. 
The bank account that the loan money was transferred into also did not belong to me. The account belonged to XXXX XXXX XXXXXXXX and I have banked with XXXX XXXX only since roughly XXXX. 

Once I left the XXXX XXXX office I went to the police station to file a report. XXXX XXXX XXXX. The police officers name was XXXX. 
He advised me to contact the collections agency and XXXX XXXX to let them know I filed a police report. Which I have done. 

I also contacted XXXX and placed an identity theft claim and they put an alert on my account. 

This all happened today on XX/XX/XXXX from roughly XXXX to now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
am filing a formal complaint regarding a phone call I received on [ insert date of call ] from the phone number ( XXXX ) XXXX, which I have confirmed is associated with Financial Recovery Services , Inc. ( FRS ). 

During this call, the male representative repeatedly asked for my name and attempted to verify my identity. However, he refused to clearly identify himself, the name of the company he represented, or the reason for the call. When I asked what the call was about, he responded vaguely with something related to financial matters and continued pressing me to disclose my identity before offering any explanation. 

At no point did he provide : The name of the original creditor The amount allegedly owed Any account reference A reason for the call in detail This behavior made me feel harassed and suspicious, as it lacked transparency and could potentially be deceptive. I believe this is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to disclose their identity and the purpose of the communication before requesting personal information. 

I have not received any written notification of the debt, nor have I received any prior correspondence from this company. I have made no payments or acknowledgments of any alleged debt. 

I request that this matter be investigated and that appropriate action be taken to ensure that Financial Recovery Services , Inc. complies with federal and state regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from repeatedly or continuously contacting me. XXXX XXXX XXXX XXXX sent me debt collecting activity by email after expressing saying they would not. This is a violation of my right to not be harassed by a debt collector. 
I was told by email on XX/XX/year> that " no further collection activity will occur. '' Breaking that written promise, on XX/XX/year> XXXX XXXX XXXX XXXX sent me another email that specifically says " This is an attempt to collect a debt ''. 

I have been thinking about this ever since and I just didn't know what to do until now.

Company response to consumer: Closed with explanation