vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> my personal computer was hacked and my credit card used to make XXXX charges, {$9700.00} and {$9400.00} and also my XXXX account was used to send {$1700.00} to someone in Florida ( this person also changed my address in XXXX to a Florida address ). I alerted Bank of America and XXXX immediately. XXXX denied the refund with the reason that the authorization came from my cell phone. I then called my cell phone XXXX, XXXX XXXX, and was told there had been an " e-sim '' requested for my phone, which is an additional sim card that clones my phone. Bank of America removed the charges on my credit card pending investigation. The hacker immediately called Bank of America, using the cloned e-sim card and told them the charges were authorized. Bank of America closed the investigation. I did not know this until the charges showed on my next credit card statement. I called Bank of America immediately and re-opened the investigation and requested the charges be removed. Less than a week later I received a letter in the mail from Bank of America telling me the investigation was completed and my request denied. The denial letter states the amount owed is now {$38000.00}! I suspect this is a typo as my credit card account only shows the fraudulent XXXX charges totalling {$19000.00} but certainly brings into question whether Bank of America knows what is going on. Interestingly enough, Bank of America reimbursed me for the XXXX charge but not the credit card charge. The charges all happened the same day and were reported at the same time by me. This is now affecting my credit and causing exorbitant interest fees on my credit card account. I am a XXXX citizen and this is emotionally draining for me.

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 2025-11-18 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:
I am disputing several accounts with inaccurate or incomplete information that are being reported on my credit file. The following accounts require investigation and rectification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Issue : The account is inaccurately reported as charged off with no corresponding payment history or late payments reflected prior to charge-off. Requesting correction of status. 

XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Issue : The accounts reporting does not reflect any payments or status changes before the charge-off date. It is incomplete or inaccurate. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$21000.00} Issue : Missing late payments prior to the charge-off. Incomplete reporting of account activity, leading to a false credit score impact. 

Inquiries : XXXX XXXX Date of XXXX : XX/XX/XXXX Issue : The inquiry appears to be inaccurately reported and XXXX not belong to my credit profile. Requesting further investigation and removal if found erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I am filing this dispute to resolve inaccuracies in my credit report. The following accounts are inaccurately reported, and I request immediate investigation and correction. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$330.00}

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( XXXX ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

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 2025-11-18 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: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. 

I contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. 

I can provide payment records and correspondence upon request. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. 

I contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. 

I can provide payment records and correspondence upon request. 

Thank you for your assistance.

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 2025-11-18 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-18 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

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 2025-11-18 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8,

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I was contacted my XXXX XXXX on XX/XX/year>. He left a voicemail telling me that a judgement WOULD be filed and my wages would be garnished if I did not respond to his call today. ( he stated the garnishment judgement was scheduled to go through on XX/XX/year>. I searched the county website and found nothing ) I returned his call and he stated he was working on behalf of XXXX XXXX but did not state it was to collect a debt. ( according to the last email I received from XXXX XXXX, nationwide capital services XXXX XXXX XXXX purchased my debt so he wouldve been collecting on his own behalf ) I asked what my options were and he stated the following : pay the {$3200.00} he stated I owed today, possibly create a payment plan, or go to court and be charged for the amount I owe and court fees via wage garnishment. When I inquired about payment plan options he put me on hold to confer with his client XXXX XXXX to see if they would accept a payment plan.he returns to the call and tells me they will not accept a plan bc I defaulted on the original debt. He then goes back and asks them if they will take it in XXXX installments. He claimed they would accept this but only if I paid {$1000.00} by the XX/XX/year> and paid the remaining {$2200.00} by XX/XX/year>. I said ok to this. He then told me I had to sign a contract for the payment I agreed to verbally over the phone while he was on. I also needed to provide him with my payment information. I then asked if he would email me a copy of the document I was signing BEFORE I signed it to have a family lawyer look over it. He then became slightly hostile and asked what part do you not understand? This is what you verbally just said was XXXX XXXX will a family lawyer review do? He did NOT send me the documents I requested. I said I was going to consult the family lawyer and call him back. I then hung up and did not call back as I was extremely uncomfortable with the whole call. I have not received communication regarding this debt since XX/XX/year> and the communication came directly from 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