vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: MS

Complaint narrative:
Harvard Collection Services has reinserted a debt on my credit report that was previously deleted in XXXX after a successful dispute. This same account has reappeared in XXXX on my XXXX and XXXX credit reports with a different account number. I have not lived in XXXX for over 20 years, and this debt does not belong to me. 

The company and/or credit bureaus failed to notify me of this reinsertion within five business days, which violates FCRA 611 ( a ) ( 5 ) ( B ). Harvard is also furnishing unverifiable and inaccurate information, violating FCRA 623 ( a ) ( 1 ) ( A ). 

I previously disputed this debt in XXXX and it was removed, but Harvard keeps re-reporting it every few years. This repeated reappearance without verification or notice is deceptive and unlawful. 

I am requesting the CFPB to investigate Harvard Collection Services for improper reinsertion of deleted information and to require that this account be permanently deleted from all credit bureaus. 

Supporting evidence : old XXXX report showing removal, current XXXX report showing reappearance, and a new dispute/cease & desist letter to Harvard Collection Services .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
IN XXXX : XXXX tradelines show late-payment codes that are inconsistent across bureaus and/or were reported after closure or during neutral statuses. The same months are coded differently across TU/EX/EQ, and in some cases, derogatories appear after the account was closed or currentthis is not XXXX XXXX compliant and XXXX harming mortgage underwriting. 

XXXX XXXX : XXXX Mortgage ( XXXX ) : late codes that conflict across bureaus ; require full removal and alignment to OK/Current. 
XXXX XXXX ( XXXX ) : lates coded for certain months while other bureaus show OK/blank for the same months. 
XXXX XXXX ( XXXX ) : XXXX and XXXX lates reported around closure/zero balance ; should not accrue new derogatories after paid/closed. 
XXXX XXXX ( XXXX ) : inconsistent late coding ; XXXX extra late months not reflected at others. 

LAW VIOLATIONS : FCRA 1681e ( b ) cross-bureau inconsistencies ; not maximally accurate.

FCRA 1681i ( a ) failure to reasonably reinvestigate ; unverifiable late codes must be removed. 
XXXX XXXX Paid/Closed/Transferred no new delinquency reporting after closure/zero balance. 

REQUESTED RESOLUTION : Delete all late-payment codes for these XXXX accounts and report OK/Current ( or Paid/Closed Never XXXX where applicable ). 
Standardize each months status across XXXX. 
Written confirmation within 30 days. 

PRIOR DISPUTE NOTICE : I disputed these late codes in XXXX, XXXX, and XX/XX/year>. Under FCRA 611, the bureaus/furnishers failed to conduct a reasonable reinvestigation. I request CFPB intervention for a complete and final resolution. 

XXXX XXXX : These late codes materially depress my mortgage scores. Clean, accurate histories ( no late marks within the last 24 months ) are essential for underwriting.

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 2025-10-24 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 resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-10-24 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXX/XX/XXXX opened XX/XX/XXXXXX/XX/XXXX opened XX/XX/XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX Inquiry date XX/XX/XXXX, XXXX. XXXX Inquiry date XX/XX/XXXX, XXXX. XXXX Inquiry date XX/XX/XXXX, XXXX. XXXX XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX, XXXX. XXXX Inquiry date XX/XX/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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did by mistake a zelle transaction to the wrong person who was using the same name and photo on my XXXX  account. 

On XX/XX/year> I transferred him XXXX usd and on XX/XX/year> I transferred him XXXX usd. All this transfer was by mistake. I just realized when the person who was supposed to get the money asked me for it. I call the bank and made a claim on XXXX XXXX XXXX  to see of they can help me. At the end the told me that they try to contact the other bank and said that the person so got the money by mistake refused to give me the money back.

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 2025-10-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account & student loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX XXXX XXXX  date opened XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1400.00} & {$860.00} XXXX XXXX XXXX - date opened XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$6000.00}, {$4500.00}, {$3500.00}, {$2200.00}, {$1800.00}, {$1600.00}, & {$3400.00} XXXX XXXX - date opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$760.00} and account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX with a balance of {$750.00} XXXX XXXX XXXX XXXX - date opened XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$8300.00} XXXX XXXXXXXX XXXX XXXX  date opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00} & {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I am sending to formally dispute several inaccurate and unauthorized items that are currently appearing on my credit report. After carefully reviewing my credit file, I discovered information that is both misleading and inconsistent with my true financial history. These inaccuracies have caused me unnecessary emotional and financial distress, as I take great care to maintain a strong credit profile and uphold my obligations responsibly. My credit history is a reflection of my integrity and financial stability, and seeing false or unverifiable data attached to my name has been deeply concerning. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} Date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$1000.00} Date Opened : XX/XX/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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Bridgecrest To Whom It XXXX Concern, I am writing to formally dispute the accuracy, completeness, and verifiability of the following account reported under the name Bridgecrest appearing on my credit report. This account is reported as a voluntary surrender. I dispute its accuracy because the balance appears to have been sold or transferred without verification or updated reporting. The balance and status XXXX no longer reflect the original creditors ownership or accurate payment status. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full reinvestigation into this matter. If the reporting entity can not provide documented, verifiable evidence proving the accuracy and lawful basis for this items continued reporting, I demand its immediate and permanent deletion from my credit file under FCRA 611 ( a ) ( 1 ) ( A ).

This dispute is filed under the following federal protections : FCRA 602A, 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ) I also request that any updates or deletions be reported to all nationwide credit bureaus that have received this data. Please mail the reinvestigation results and updated credit report to my address within 30 days as required by law. 

Thank you for your prompt attention to this legal request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

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 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: GA

Complaint narrative:
I received in the mail the second time now a request for a debt I DO NOT OWE. Moreover, I have the receipt from XXXX where all their phones, XXXX and watch were all returned and I received a refund of a mere {$74.00} despite them having already taken away from me XXXX phones I had on hand prior to this transaction. I turned in all the equipment which I only had for a day.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding the handling of my credit card account. I originally submitted a dispute, and instead of providing the documentation you are required to produce under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), your team waited almost the full 30-day period to respond. Then, only about a week before the 30-day window expired, I received a message asking me to provide proofwithout you providing any evidence or verification of the debt or the account details on your end. This response is both late and incomplete. The law requires you to investigate and provide validation or supporting documentation within the 30-day periodnot to delay communication until the deadline and shift the burden entirely to the consumer. Additionally, my employer information was changed just two days ago, even though I never updated or authorized that change. I believe this was done improperly and may have been an attempt to make me appear more financially capable of paying an amount I never agreed to or authorized. On top of that, I currently have no access to the accountwhen I try to log in, the system displays forbidden. This prevents me from reviewing any information or seeing what changes have been made, which makes it impossible to verify your claims or track the dispute status. I am requesting that you : 1. Provide full documentation and validation of the debt and account history, signatures, proof I approved said credit limit upping, proof of verification of my income in XXXX, and you were aware I was making XXXX an hour and was only XXXX XXXX XXXX XXXX XXXX. Explain why my employer information was updated without my consent. XXXX. Clarify why your dispute response was delayed and incomplete. 
access to the account while this issue is under review. Please treat this as a formal dispute and complaint under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). I expect a full written response, including all requested documentation, within the legally required time frame

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX 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 Listed below are the Inquiries that are being challenged 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
I am requesting validation of the alleged debt under 15 U.S.C. 1692g. Until you provide proper validation, you must cease collection and remove any related information from my credit report. Please remove inaccurate debt of all my credit reports, wrong address everything is wrong. My information has been breached to the dark web.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has allowed a previously deleted XXXX XXXX XXXX account to reappear on my credit report in XXXX. This same debt was deleted after a successful dispute in XXXX but has been reinserted with a different account number, even though no new or verified information was provided. 

Equifax failed to notify me in writing within five business days of this reinsertion, as required by FCRA 611 ( a ) ( 5 ) ( B ). 

The original XXXX XXXX account ( account number ending in XXXX ) was removed in XXXX and scheduled to remain off until XX/XX/XXXX. It has now reappeared in XXXX under a different number XXXX XXXX XXXX XXXX XXXX, indicating improper reinsertion of deleted information. 

I request that the CFPB investigate Equifax for violating the FCRA by allowing this reinsertion without the required notice and to order permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi my name is XXXX XXXX! I am writing Bank of America because my account was closed in XX/XX/year> because of filed fraudulent disputes. I did nothing wrong with my account but was the victim of fraud. Someone hacked my account and took money out through my debit card. I am asking Bank of America to remove the restrictions and allow me to have an account back as I was with Bank of America for 19 years. I feel my account was closed unjustly and I would like my accounts back and the opportunity to bank with Bank of America as this is my favorite bank. Thank you

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