vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
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!

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 2025-05-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-20 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: NC

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 XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 2025-05-20 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: EQUIFAX, INC.
State: NC

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 XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: AZ

Complaint narrative:
XXXX XXXX sold account to another debt company and they are requesting full payment. XXXX XXXX never notified me that they were selling it to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX and Mandarich Law Group LLP are attempting to collect on an alleged debt without a valid, signed contract or lawful consideration, violating 15 U.S.C. 1601 ( TILA ) and 15 U.S.C. 1692g ( FDCPA ). I served a notarized Affidavit of Truth and Demand for Arbitration via certified mail return receipt, which they ignored, constituting tacit acquiescence and administrative default. They are proceeding with legal action without rebutting sworn affidavits, violating my due process and trust rights. They are also reporting unverifiable information to credit bureaus in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ). Their actions constitute fraud, identity theft, and abuse of process, using the copyrighted ALL CAPS name without consent. This is a willful and deceptive attempt to enforce an unverified claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX  for ALLY FINCL - XXXX * * * * * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
* date open is different on each bureau * number of months/terms on each bureau * payment status on each bureau Last date active on each bureau Last date of payment on each bureau I see this account is also written XXXX XXXX XXXX XXXX meaning the debt was sold and if that in fact is the case a XXXX c should be completed as paid off debt. Please delete this off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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,

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM BEING CONTACTED BY A DEBT COLLECTION AGENCY THAT IS NOT AUTHORIZED TO OPERATE IN MY STATE. UPON CHECKING THE NMLS CONSUMER ACCESS WEBSITE, I COULD NOT LOCATE ANY RECORD OF THIS AGENCY BEING LICENSED TO COLLECT DEBTS IN MY STATE, WHICH I UNDERSTAND IS A LEGAL REQUIREMENT. 

THE COLLECTION AGENCY IDENTIFIED AS XXXX XXXX XXXX AND XXXX XXXX XXXX HAS CONTACTED ME REGARDING A DEBT THEY CLAIM I OWE. I CONDUCTED A SEARCH ON THE NMLS CONSUMER ACCESS WEBSITE AND FOUND THAT THIS AGENCY IS NOT LISTED OR LICENSED IN PA. 

AS PER MY STATE LAWS, DEBT COLLECTORS MUST BE PROPERLY LICENSED IN ORDER TO LEGALLY COLLECT DEBTS FROM RESIDENTS. BECAUSE THIS AGENCY DOES NOT APPEAR ON THE XXXX XXXX FOR MY STATE, I BELIEVE THEY ARE ACTING IN VIOLATION OF STATE LICENSING REQUIREMENTS. 

DESPITE THIS, THEY HAVE CONTINUED TO CONTACT ME AND ATTEMPT TO COLLECT ON THE DEBT, WHICH I BELIEVE CONSTITUTES UNLAWFUL AND POTENTIALLY HARASSING BEHAVIOR. I AM REQUESTING THAT THE CFPB INVESTIGATE THIS MATTER AND TAKE APPROPRIATE ENFORCEMENT ACTION IF THIS AGENCY IS FOUND TO BE OPERATING ILLEGALLY.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WA

Complaint narrative:
Complaint Against : Crown Asset Management , LLC I am submitting this formal complaint regarding Crown Asset Managements involvement in enforcing a judgment and garnishment that appears to be based on a materially false affidavit of service. 

The affidavit describes a third party who does not match my identity and alleges service at an address that is not my residence. I have provided a lease agreement and supporting documentation confirming my lawful residence at the time, and I was never personally served. This judgment appears to have been obtained without proper legal notice, violating my right to due process.

This situation raises serious legal concerns, including violations of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices It may also violate state law under Washington statutes : RCW 4.28.080 & CR 4 ( d ) Improper or invalid service RCW 19.86.020 Deceptive or unfair practices under the Consumer Protection Act RCW 9A.72.020 False swearing under oath At the time of filing this complaint, I am unsure what internal steps Crown Asset Management may or may not have taken in response to the evidence I submitted. However, the garnishment is still active, and I have filed a motion to vacate the judgment with XXXX XXXX XXXX XXXX. 

I respectfully request the CFPB to investigate Crowns involvement in this matter and ensure that any collection or enforcement action based on invalid legal service is immediately suspended pending judicial review. I also request that the Bureau consider appropriate enforcement measures should it find violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: OH

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXXXXXX XXXX I got scammed out of total of {$750.00} on XXXX  and {$250.00} on XXXX ( Complaint ID already filed : XXXX ) .I was targeted in an online scam where I was falsely promised a financial transaction. The scammer instructed me to send money through XXXX and PayPal under the pretense that it was required to receive a larger sum in return. I followed the instructions in good faith, but I never received any funds or services. Once I realized I had been deceived, I reported the incident to XXXX, filed a police report, and submitted all related evidence to Bank of America in a timely fraud claim. 

XXXX  confirmed in writing that I was the victim of a scam and that the funds were unrecoverable. I submitted this confirmation, along with screenshots of the conversation and the police report. Despite this, Bank of America denied my claim based on the reasoning that the transaction was authorized. However, this ignores the fact that I was fraudulently induced into making the transaction under false pretenses, which qualifies for protection under Regulation E. 
I filed a fraud claim with Bank of America for a {$600.00} transaction I sent through XXXX. I was scammed and provided full evidence to BoA, including chat screenshots of the scam, a police report, and an email from XXXX  confirming that I was a victim and that the funds could not be recovered. 

Despite this, BoA denied my claim stating that the transaction was authorized and that I should contact XXXX. However, I had already contacted XXXX  and submitted their responseproving the claim was fraud-related. This indicates BoA either ignored my documentation or denied the claim without proper review. 

Even more concerning, the claim was denied just 17 days after being submitted to the merchant ( XXXX XXXX  ), far short of the 45-day window required for proper merchant review. This suggests the case was closed prematurely. 

I am requesting a full reimbursement under Regulation E and an investigation into Bank of Americas failure to properly evaluate a clearly documented fraud case.

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 2025-05-20 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: CA

Complaint narrative:
This is a follow-up complaint to ensure that TransUnion properly investigates and resolves a continued inaccuracy that remains on my credit report. TransUnion is currently reporting a charge-off account from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX and a charge-off date of XX/XX/year>XXXX  in the amount of {$470.00}. I have already disputed this account previously due to serious concerns regarding the accuracy and verification of the debt, yet it continues to remain on my report with no credible documentation provided to substantiate its legitimacy. This continued reporting is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is legally required to conduct a full and reasonable reinvestigation of any item that is disputed. This means verifying the item through original records, not generic templates or unverifiable electronic responses from furnishers. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion or correction of any item found to be inaccurate, incomplete, or unverifiable. To date, TransUnion has failed to provide sufficient proof that this account was accurately reported or that a lawful reinvestigation was conducted. Given the increased occurrence of data breaches and unauthorized reporting, I have strong reason to believe that this charge-off may have been added erroneously or due to compromised data shared with or reported by third parties.

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