vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Issue Type : Credit card fraud failure to resolve fraudulent charges Complaint Description : Ive been a Bank of America customer for XXXX  years ( Platinum Rewards member with a perfect payment history ). In XX/XX/year>, I reported a fraudulent charge on my credit card. Despite clear evidence that I did not authorize the charge, BoA : Denied my fraud claim XXXX separate times. 

Each denial used the exact same proof, indicating that no deeper investigation occurred. 

I was misled by a Branch Manager and the fraud department. In person, I was told that XXXX escalations were still open regarding my case, yet when I followed up weeks later, I was informed that my case had been closed prior to that branch visit, with no escalations open at all. 

I requested direct contact with someone from the fraud investigation team to submit supporting documentation and clarify details, but was told no one from that team can be contacted by customers. 

As a long-term loyal customer with an excellent history, I find this completely unacceptable. I have been denied any reasonable way to present evidence or have my case fairly reconsidered. 

Desired Resolution : I request a full, independent investigation into the fraudulent charge on my account, with the opportunity to submit supporting documentation. I also request transparency about how the fraud investigation was handled and why misleading information was provided by both branch and phone representatives.

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 2025-07-22 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  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 2025-07-22 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: TX

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} INQUIRIES : 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 XXXXXX/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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have never had an account with XXXX or XXXX XXXX XXXX upon my research is not registered as well to collect on any debt or licensed in my state. I will be filing a lawsuit if this fraud account is not removed within XXXX  days and seek damages in the amount of {$1000.00} XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 5 ) & ( 10 ) : It is illegal for a debt collector to threaten to take action that is not legally permitted or use deceptive means to collect a debt. XXXX is not licensed in your state and tries to collect anyway, thats illegal under FDCPA. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i : I have the right to dispute inaccurate or unverifiable accounts with the credit bureaus. If they are not licensed, they legally can not verify the debt this gives you grounds for removal.This company is not licensed in my state they have no legal right to collect or report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$28000.00} XXXX XXXX  Issue : XXXX XXXX Violation : FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - failure to ensure maximum possible accuracy ; FCRA Section 611 [ 15 U.S.C. 1681i ] - failure to reinvestigate ; FDCPA Section 807 [ 15 U.S.C. 1692e ] - reporting misleading or false information Story : This auto loan is being reported as a charge-off with a high balance of {$28000.00}. I dispute this reporting entirely. I was never informed of a charge-off status, nor did I receive proper documentation of default or collection action. I have reason to believe this was either resolved or incorrectly reported. No proper verification has been provided. This listing is damaging and misleading and must be deleted or fully validated with a complete payment history, original contract, and charge-off notice. If such documents can not be produced, this record must be permanently deleted. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 

XXXX XXXX XXXXXXXX Case Number : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> 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 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 I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Account # XXXX To Whom It May Concern, This letter is a formal demand that you cease and desist all forms of communication with me regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby instruct you to stop all contact with me, including but not limited to letters, phone calls, text messages, or emails.

If you believe I owe this debt, I also demand full validation of the alleged debt in accordance with 15 U.S.C. 1692g, including : The name of the original creditor The full amount of the alleged debt Documentation that proves I am legally obligated to pay Verification of your authority to collect this debt Be advised that any further communication from your office, other than to provide proper validation or confirmation that no further contact will be made, may be considered a violation of federal law. Such violations will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office. 

I expect written confirmation within 15 days that you have ceased all further collection efforts regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Subject : Formal Complaint for Identity Theft and Request for Enforcement of FCRA 15 U.S.C. 1681c-2 and Related Provisions To Whom It May Concern : I am filing this complaint to request immediate intervention and enforcement regarding two fraudulent accounts listed on my credit report. I am a victim of identity theft and have submitted the appropriate documentation to the credit reporting agencies, including my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ). 

Despite my submission, the fraudulent accounts continue to appear on my credit file. I am now requesting that the CFPB take action to ensure that these credit reporting agencies comply with federal law, including the following provisions : 15 U.S.C. 1681c-2 Requires credit reporting agencies to block information related to identity theft within four ( 4 ) business days upon receipt of an identity theft report.

15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) Data furnishers must not report information after being notified of identity theft unless verified with certified evidence.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item can not be verified, it must be deleted from the consumers credit file within 30 days.

15 U.S.C. 1681e ( b ) Credit reporting agencies are obligated to ensure maximum possible accuracy of information.

15 U.S.C. 1681 The general purpose of the FCRA is to protect consumers from inaccurate and unfair credit reporting.

The fraudulent accounts that must be blocked and permanently removed from my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have enclosed all necessary documentation, including my identity theft report, government-issued identification, proof of address, and highlighted credit report. I respectfully request that the CFPB compel the credit reporting agencies to comply with federal law and block/remove these accounts 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 explanation
Consumer complaint received 2025-07-23 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: NY

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 explanation
Consumer complaint received 2025-07-23 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had two unauthorized charges appear on my cashapp debit card. I immediately disputed and got a new card. Its been over 10 business days now and i have not had an update or a credit and support just gives me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I reviewed my credit report and noticed that this account from XXXX XXXX XXXX ( account number : XXXX ) is fraudulent and does not belong to me. I attached the FTC report and my identifying documents. In accordance with FCRA regulations, please remove this fraudulent account from my credit file immediately within 4 days. 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 explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX / XXXX  XXXX XXXX / XXXX XXXX / XXXX XXXXXXXX / XXXX XXXX XXXX / XXXX  XXXX / XXXX  XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXXXXXX / XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX  XXXX XX/XX/XXXX. 

Please correct and update the late payments on my credit report. XXXX XXXX XXXX / XXXX XXXX  XXXX / XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX / XXXX  XXXX XXXX / XXXX XXXX / XXXX XXXXXXXX / XXXX XXXX XXXX / XXXX  XXXX / XXXX  XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXXXXXX / XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX  XXXX XX/XX/XXXX. 

Please correct and update the late payments on my credit report. 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