vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America ( BofA ) regarding a duplicate charge for a transaction with XXXX XXXX XXXX. I initially attempted payment through another debit card, but received an error. I then used my Bank of America debit card ending in XXXX, which successfully processed the payment for {$3500.00}. However, both cards ended up being debited, resulting in a duplicate charge. 

I informed BofA about this issue and requested that they investigate the duplicate charge. On XX/XX/XXXX, BofA issued a temporary credit of {$3500.00} while investigating. However, on XX/XX/XXXX, without any communication, authorization, or notification, BofA proceeded with a chargeback from the merchant 's bank ( XXXX XXXX ). This action resulted in cancellation of my airline tickets, causing financial and personal damages. 

According to BofA 's own investigation letter, they stated that if the charges were found valid, they would remove the provisional creditnot initiate a chargeback without my knowledge or consent. 

I hold both Bank of America and XXXX XXXX XXXX accountable for this negligence. The wrongful chargeback, without my input, has directly led to the cancellation of my tickets. I am now being forced to repurchase these tickets at a much higher cost. 

I demand that Bank of America reimburse me the current cost of the tickets, as they are solely responsible for initiating an unauthorized chargeback that caused this loss. 

Relevant Information : Claim Number : XXXX Checking Account Ending : XXXX Transaction Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3500.00} Transaction ID 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 monetary relief
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$940.00} Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are 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 Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: DE

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 2025-09-14 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: TX

Complaint narrative:
I am writing to formally dispute fraudulent accounts and unauthorized hard inquiries listed on my Transunion credit report. I have strong reason to believe these entries are directly related to the XXXX XXXX data breach that compromised millions of consumers personal information, including mine.

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 2025-09-14 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems ( SCS ) is reporting a {$94.00} collection account on behalf of XXXX XXXX XXXX XX/XX/year>. I disputed this account and sent debt validation requests under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

SCS failed to provide proper validation. They did not provide a signed agreement, itemized charges, proof of assignment from XXXX, or documentation establishing their legal right to collect in my state. Despite this, they continue to report the account as a collection on my credit reports. 

Why this is unlawful : FDCPA 809 ( b ) : Debt collectors must cease collection until proper validation is provided. SCS has not done so.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must only report accurate and verifiable information. Reporting without validation is inaccurate and unlawful.

FCRA 611 : Credit furnishers must reasonably investigate disputes. XXXX unverifiable data is not a reasonable investigation. 
Unfair practices : Adding unexplained fees ( original balance {$75.00} reported {$94.00} ) without documentation is deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The terms for the credit was 24 mos interest free. 4 months Before the 24 months they charged me {$1500.00} when I called them to ask them about it they said I needed to pay that amount and I requested a copy of the terms and they said they didn't have access to it. I told them that I refuse to pay the {$1500.00} interest fees because the 24 months weren't over yet. They started charging me late fees on top of the {$1500.00} interest and never sent me a copy of the terms.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I discovered that XXXX XXXX XXXX is reporting an account on my credit file. I have no recollection of any business or agreement with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: FL

Complaint narrative:
So theres an inquiry if you may in my credit report from a company which requested my personal information which XXXX  allowed nowing that I been having my credit frozen and fraud alert cause im a victim of identity theft and fraud. I DO NOT WANT my info given to no one at all they still did. To a Synovus/ Verv- First Digital which they also requested residential info and my credit is saying I have A foreclosure when I don't even own a house. Anyways I spoke to the agent and he told me that he could give any info that I had to call another number due to the account is in collection so I told him that I have a consumer 's right for any info and credit fair act,. He denied me all ( XXXX  ) That his name. So I call the collection agency and a very nice lady talk to me and explain that they do not have such info and that the other company was supposed to cooperate with me in trying to help me fix the matter at hand and she apologized she couldn't be further help all I have is the routing number to said account and the customer care number he completely refused to help me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: AR

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

1681c2 ) that you, the Experian 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: FL

Complaint narrative:
XXXX XXXX XXXX  Wise US Inc. has frozen and retained USD XXXX from my company XXXX XXXX XXXX ( XXXX XXXX ) and canceled an incoming XXXX  of USD XXXX, claiming it was returned but never credited back. The total of USD XXXX remains withheld without justification, even after I provided full documentation proving the legal origin of the funds. Wise has refused to recognize the legitimacy of the funds, showing a fraudulent behavior patter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Some were removed and some not I have no knowledge of these accounts and its ruining my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Some were removed and some not I have no knowledge of these accounts and its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TN

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of the item below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
It's showing on my credit report that I owe {$3100.00}. I have never applied for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I had XXXX  4times and was hospitalized 3 times. I called them they stated they can take it off if I send documents. I sent it still report late. Then all of the time the rep can not understand English. Then they have you on the phone all most all day just trying to explain. 0All does payment are misunderstanding from the rep. They only got 1 way to make a payment that is a check. Even if you want to make a credit or debit payment you have to call and be tranfer all over the place then charge a fee. I think they try to mess you up9 just for the company to charge you a late fee. KIA FINANCE IS THE WORST COMPANY. The rep do not nor can harderly speak nor understand English. need then to erase them late fees. I even try to make several payments and they had my checking account information blocked on their payment platform. Then kept on blaming it on my bank. So I then have to find a way to use another bank or pay a fee using a card. They have cause me to have multiple late fees. With my job I can not be on the phone. Then they do not open on the Weekend.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase is showing that have 3 hard inquiries one on XX/XX/XXXX another on XX/XX/XXXX and lastly on XX/XX/XXXX I have one personal card with Chase that was open in XX/XX/XXXX and should not have a hard inquiry for that since its been over 2 years since XX/XX/XXXX. Im not sure why I have 3 hard inquirys. I would like to get them removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am writing to formally submit a complaint regarding the misuse of my credit information. I recently discovered that my personal and credit information has been used incorrectly and may have been sold without my authorization. This has resulted in negative entries on my credit report, specifically including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry/account I do not recall authorizing any accounts or inquiries with these entities, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The unauthorized use of my information is affecting my credit and financial wellbeing. 

I am requesting a thorough investigation into the misuse of my credit information and immediate steps to remove these inaccurate or fraudulent entries from my credit report. I have attached any documentation that supports my claim. 

Please advise on the steps that will be taken to ensure the protection of my information and to restore my credit standing. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Since XX/XX/year> I have been asking to Westlake Financial who?, using my name and personal information, impersonated me when calling Westlake Financial to make a payment agreement and request the credit payment link in my name, to pay in cash and thus avoid being tracked.

I am writing to formally notify you of a serious case of identity theft and fraud involving a Westlake Financial account under my name, number XXXX, which was created or modified without my knowledge or consent. 
It has come to my attention that an individual impersonated me and entered into a payment agreement with Westlake Financial, including making an initial payment, for the purpose of preventing the credit from being returned to the dealership. I did not authorize this agreement, nor did I approve or make any payment related to this account. 
I believe this was done intentionally to commit fraud and to unlawfully shift financial responsibility onto me.

Company response to consumer: Closed with explanation