vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am a documented victim of identity theft. A fraudulent account was opened in my name with Bank of America without my authorization. I never applied for or used this account. I filed an FTC Identity Theft Report, a police report, and a sworn affidavit to document the fraud. I provided these documents to Bank of America and their counsel ( XXXX XXXX XXXX XXXX, A Professional Corporation ), yet they choose to continue pursuing this fraudulent debt. 

On or around between summer of XXXX or XXXX, I called Bank of America and was provided with a Case ID number after reporting the fraud. I also informed them that their attorneys, XXXX XXXX XXXX XXXX, had sued me in court over this fraudulent debt. Despite this notice, Bank of America has allowed its attorneys to continue aggressively pursuing collection, from Justice Court through District Court after I appealed a summary judgment. 

In these proceedings, Bank of America has failed to provide any admissible proof that I opened or used the account. Their only evidence consists of a custodian of records affidavit ( from someone with no firsthand knowledge ) and bank statements, which do not establish liability. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( e ), 1681g ( e ), 1681c-2 ), which makes it clear that documented victims of identity theft carry zero liability for fraudulent accounts.

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 2025-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV FINXACT CORE
State: WY

Complaint narrative:
I was declined using my XXXX XXXX card. At the cashier she said the bank declined the transaction. I called my bank and they said they didnt decline anything.So I called XXXX and they said it was a XXXX XXXX decision. I then called the XXXX number and surprise-it was the exact same operator. I ultimately asked for a supervisor and got no justification. Evidently, if you use your bank account more than they think anyone should, or the amount io your transactions us to high, they will not let you use the XXXX card -which is linked to your bank account with ample funds available. Why did I give them my account information to get the card, which acts like a bank debit card, to have them make ridiculous risk assessments!!! This service is a huge disservice and makes me not want to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submitted XXXX payments within the last year and none of them have posted/deducted from my total student loan debt. The following are dates, amounts, and confirmation # 's for the payments. 

DATE - AMOUNT - XXXX  # XX/XX/XXXX - {$400.00} - XXXX XX/XX/XXXX - {$400.00} - XXXX XX/XX/XXXX - {$340.00} - XXXX XX/XX/XXXX - {$300.00} - XXXX XX/XX/XXXX - {$300.00} - XXXX I've called Aidvantage about a week or even longer after every single payment and each worker has asked/said the same thing. They say " Payments usually take XXXX business days just wait and see if it's posted by then '' it's been almost 1 year since the XX/XX/XXXX & XX/XX/XXXX payments and been a week since the XX/XX/XXXX payment. None of the payment attempts are noted in the " payment history '' on the Aidvantage website. I still owe the same amount as if I haven't made any payments. Aidvatage customer service also asks me if I have enough money in my account and if there are any holds on my account. There is at least double, if not triple the amount of money in my account when trying to make an attempt to pay. I've called XXXX to see if there are any holds on my account and they verified with me that there have not been any holds on my account as far as the last few years. I am trying to pay off my student loans and Aidvantage is simply not taking my payments. My routing/account # are verified on the Aidvantage website so there's no discrepancies with the bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am submitting this follow-up complaint to formally notify you that I have been a victim of identity theft. I have attached all relevant documents to assist with the investigation of unauthorized inquiries currently appearing on my credit report. The following inquiries are fraudulent, were not opened or authorized by me, and are in violation of FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which limits permissible purposes for furnishing consumer reports, and FCRA 619 [ 15 U.S.C. 1681q ], which prohibits knowing and willful furnishing of false information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have submitted two prior requests to XXXX XXXX asking for my IRS Form 1099-C related to a cancelled/charged-off debt. Instead of responding to my request, XXXX XXXX has sent me the same generic denial letter regarding an identity theft claim twice. 

I am not disputing identity theft. I am formally requesting the IRS Form 1099-C, which XXXX XXXX is legally required to issue under 26 U.S. Code 6050P for any cancellation of debt. The repeated failure to provide this form constitutes noncompliance with federal law and the Fair Credit Reporting Act ( FCRA ). 

This complaint is being submitted because XXXX XXXX continues to ignore a lawful request and provide irrelevant, duplicate responses. I am demanding the immediate issuance of the proper IRS Form 1099-C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: NV

Complaint narrative:
I am a documented victim of identity theft. A fraudulent account was opened in my name with XXXX  XXXX XXXX without my authorization. I never applied for or used this account. I filed an FTC Identity Theft Report, a police report, and a sworn affidavit to document the fraud. I provided these documents to XXXX  XXXX XXXX and their counsel ( The Moore Law Group, A Professional Corporation ), yet they choose to continue pursuing this fraudulent debt. 

On or around between summer of XXXX or XXXX, I called XXXX  XXXX XXXX and was provided with a Case ID number after reporting the fraud. I also informed them that their attorneys, The Moore Law Group, had sued me in court over this fraudulent debt. Despite this notice, XXXX  XXXX XXXX has allowed its attorneys to continue aggressively pursuing collection, from Justice Court through District Court after I appealed a summary judgment. 

In these proceedings, XXXX   XXXX XXXX has failed to provide any admissible proof that I opened or used the account. Their only evidence consists of a custodian of records affidavit ( from someone with no firsthand knowledge ) and bank statements, which do not establish liability. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( e ), 1681g ( e ), 1681c-2 ), which makes it clear that documented victims of identity theft carry zero liability for fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MN

Complaint narrative:
I am submitting this follow up complaint to dispute and request the removal of inaccurate, outdated, and unauthorized items currently being reported on my credit files with Experian, Equifax, and TransUnion. These entries are either not connected to me, have exceeded the allowable reporting period, or violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite prior attempts to resolve these matters, the bureaus have failed to take appropriate removal actionInaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Closed : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Inquiries Included in Dispute : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am disputing the accuracy and completeness of the XXXX tradeline XXXX The account was opened on XX/XX/XXXX and is listed as paid and closed, yet the payment summary is incomplete and inconsistent. The only activity shown is a last payment dated XX/XX/XXXX and a status update in XX/XX/XXXX. No monthly payment history is reported for XXXX or XXXX, despite the account being active during that time. 

This incomplete reporting misrepresents my credit profile and violates the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S. Code 1681e ( b ) : Furnishers must maintain * * maximum possible accuracy * * - 15 U.S. Code 1681i ( a ) : Consumers have the right to dispute * * incomplete or inaccurate information * * - 15 U.S. Code 1681s-2 ( a ) : Data furnishers must not report information they know or believe to be inaccurate If the furnisher can not provide a full payment history, documentation of closure terms, and verification of the reported dates, I request that the tradeline be * * deleted in full * * from all consumer reports. 

I reserve all rights under the FCRA and request that this matter be escalated for manual review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am submitting this follow-up complaint to formally notify you that I have been a victim of identity theft. I have attached all relevant documents to assist with the investigation of unauthorized inquiries currently appearing on my credit report. The following inquiries are fraudulent, were not opened or authorized by me, and are in violation of FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which limits permissible purposes for furnishing consumer reports, and FCRA 619 [ 15 U.S.C. 1681q ], which prohibits knowing and willful furnishing of false information : 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 2025-09-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
Between I want to say XXXX of XXXX until XXXX of XXXX I don't recognize over 95 % of what's on my credit report some places I'd I've never even heard of this is the first action that I've taken cuz this is the first time that I've seen it and I wonder why I can't get no loans I can't get no credit cards nothing I believe that I am a victim of identity theft and I would like to get it fixed please because my credit is ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 submitting this follow-up complaint regarding multiple unauthorized inquiries appearing on my credit report. I did not authorize, initiate, or consent to these inquiries, and their reporting constitutes an impermissible use of my consumer information. 
The unauthorized inquiries are as follows : 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

Company response to consumer: Closed with explanation