vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-17 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: UT

Complaint narrative:
True accord debt collector- XXXX XXXX sent a email to my ex spouse from over 10 years ago with account information including my address and changed the email to her email. This is a direct violation of FDCPA and I will be seeking legal council along with filing a complaint with local attorney general

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They we taking monthly money out through autopay, but every time I check the account it would remain the same because the interest fee was the exact as the monthly pay and it would be paid on time. I tried to make lump sum of payment a few times but it never made a difference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of paid and closed accounts that continue to reflect negative statuses on my credit file. I have reviewed my credit report and found the following accounts still being reported in a manner that is inaccurate, misleading, and outdated, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been paid in full and closed, and as such, should no longer be reported as negative. Continued reporting of these accounts is damaging my creditworthiness and may constitute willful noncompliance under FCRA Section 623 and Section 607 ( b ), which requires all information furnished to consumer reporting agencies to be complete and accurate. 

Furthermore, under : FCRA Section 611, I have the right to dispute incomplete or inaccurate information.

FCRA Section 605 ( a ) ( 5 ), adverse information should not be reported beyond the applicable time frame ( typically 7 years from the original delinquency ).

FCRA Section 602, credit reporting should be fair, equitable, and respect consumer privacy and accuracy.

Fair Credit Reporting Act ( FCRA ) Violations : 607 ( b ) Failure to ensure maximum possible accuracy in reporting.

611 ( a ) Failure to conduct a reasonable reinvestigation upon my dispute.

623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly or without correction.

605 ( a ) ( 5 ) Continued reporting of adverse information beyond permissible limits.

602 ( A ) General policy requiring fairness, impartiality, and respect for privacy. 

2. Fair Debt Collection Practices Act ( FDCPA ), where applicable : 807 ( 8 ) Reporting of false credit information, including failure to communicate that a debt has been paid. 

809 ( b ) Failure to verify a disputed debt within the required 30-day period. 

3. Consumer Rights Violations : This mishandling represents a failure to uphold consumer protections and the right to a fair and accurate credit profile. By continuing to report accounts that are paid and closed as negative, the entities involved are engaging in deceptive and harmful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
Today, XX/XX/2025 I tried to use my XXXX XXXX app, and it did not work again. My previous complaint was dismissed by the company and refusing to refund the monthly charges I pay for a service that never works. I had to give XXXX a call, and AGAIN, I was told to delete the app and download again. So, the app does not work, and I pay almost XXXX XXXXmonth for a service that does not work. I refer to a previous complaint ( XXXX ) in which I was offer a XXXX  month refund, alleging the service worked. Here I am again DEMOSTRATING that their system does not work and they keep charging my account, time and time again for something I CAN NOT USE! 

I RECEIVED THIS IS MY EMAIL AGAIN! 
Go to XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX have submitted the following charge for debiting to your bank account with routing number XXXX  and account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Service Plan : Essentials From : XXXX2025, To : XXXX2025 Number Of Devices : XXXX Amount XXXX XXXXXXXX Money Due Time XXXX XXXXXXXX 2025 XXXXXXXX XXXX EDT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 am a victim of identity theft and there are many fraudulent accounts and fraudulent personal information reflecting on my credit report I would like these to be removed immediately because they are all fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TN

Complaint narrative:
My credit report is currently displaying multiple inaccuracies and unauthorized accounts in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and related provisions. 
XXXX. Incorrect Names : My correct legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate or unauthorized and must be removed. 
XXXX. Incorrect Addresses : My only correct and verifiable address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses, including but not limited to XXXX, XXXX  and multiple outdated XXXX locations, must be removed. 
XXXX. Incorrect Employment Information : My only verified employer is XXXX XXXX XXXX Department. Please remove listings such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, as they are inaccurate or outdated. 
XXXX. Unauthorized or Non-Credit Accounts : I am disputing the presence of non-credit accounts such as : TXXXX XXXX XXXX XXXX  This does not qualify as a credit account or loan and was reported without valid written consent. 
All accounts reported by XXXXXXXX XXXX XXXX ( Student Loans ) I am invoking my rights under FERPA ( 20 U.S.C. 1232g ) and 15 U.S.C. 1681c-2. These entries involve educational records and were reported without FERPA-compliant consent. If they can not prove written authorization for furnishing this data to Equifax, they must be deleted. 
XXXX. Dispute of All Non-Auto and Non-Credit Card Accounts : I am requesting the deletion of any tradelines not related to an auto loan or credit card. All such tradelines must be verified with proper documentation or removed per FCRA 611 and 623 ( a ) ( 1 ) ( A ).

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 2025-05-17 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 a victim of XXXX XXXX and I have lots of accounts and fraudulent information reporting on my credit report, its hurting my credit a lot and want these to be removed immediately!

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against TransUnion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the monthly payments, number of months ( terms ), date of last payment, date last active and furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, my Bank of America online profile was compromised. An unauthorized payee was added to my account, and several wire transfers were subsequently initiated to this same payee. I received alerts indicating that my user ID had been accessed, my password had been changed, and a new beneficiary had been added. I immediately contacted Bank of America to report each of these suspicious activities. 

I was initially informed that the wire transfers had been flagged and placed on hold ; however, my available balance was still affected. After multiple unsuccessful attempts to resolve the issue remotely, I flew from XXXX to XXXX on XX/XX/year>, and visited the Bank of America branch in XXXX XXXX, where I met with XXXX XXXX XXXX ( XXXX ). Bank of America conducted an internal investigation and confirmed the fraud. On XX/XX/XXXX, a reimbursement of {$54000.00} USD was deposited into my account, covering the fraudulent transactions and related fees. 

During this branch visit, I requested the closure of my checking account ending in XXXX. However, the bank declined, citing the ongoing investigation. I also took all possible security measures by changing my user credentials and enabling XXXX XXXX  authentication. 

Unfortunately, despite these steps, the breach occurred again on XX/XX/XXXX. My password was reset, XXXX XXXX  was disabled, and the same fraudulent payee was re-added. Additional wire transfers were initiated, again triggering security alerts. I contacted Bank of America immediately and was told that wire transfer capabilities had been removed and all beneficiaries deleted. I verified these changes through my online banking access, but I continued to receive alerts and observed unauthorized transactions on my account. 

The recurrence of this breach, involving the same recipient and similar transaction patterns, demonstrates a systemic failure in securing my accounts and preventing repeat fraud. Despite my diligence and direct communication with the bank, my account remains vulnerable, and I have suffered repeated financial and emotional distress as a result. 

I am requesting the CFPBs assistance in investigating this matter, ensuring that Bank of America upholds its responsibilities in protecting consumer accounts, and securing a full resolutionincluding the return of all funds lost due to this breach.

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 2025-05-17 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: OH

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

List of Unauthorized Inquiries :XX/XX/XXXX XXXX 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that has been opened under my name by Synchrony Bank. I have received statements requesting payment for a credit card account that I did not open and have never authorized.

Despite multiple attempts to contact Synchrony Bank and notify them that this account is fraudulent, I have not received a resolution, and the company continues to send me billing statements and payment requests. I am growing increasingly concerned that this may negatively affect my credit or be reported inaccurately to the credit bureaus.

I am requesting that : 1. An immediate investigation be opened into this matter.

2. The account be removed from any credit report associated with my name and Social Security number.

3. I be provided with documentation of how and when this account was opened.

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