vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
After receiving a response to my earlier dispute that the accounts were verified, I contacted the furnisher and received no verifiable response. 
Am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable items on my credit.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
I informed KeyBank that unauthorized activity occurred on my debit card on XXXX XXXX for {$1.00}, on XX/XX/2025 for {$48.00} and on XX/XX/2025 for {$48.00}. XXXX  from XXXX. 
Their response was " ... XXXX  XXXX  prevents the creation of a counterfeit registration ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I went to get a business account and I had XXXX with XXXX  XXXX XXXX and they closed my account now im trying First Citizens Bank XXXX they rejected me My company name is XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-05-23 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: MD

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of a job scam that I did not know was fraudulent. Like many job seekers, I was looking for employment when I received what appeared to be a legitimate job opportunity email from a company called XXXX. The email included job requirements and details that seemed genuine. 

I completed their XXXX  assessment as requested. After a day or two, I received a job offer. The HR representative informed me that someone would contact me by phone regarding next steps. This individual later called me and discussed my preferences for work equipment. 

The caller then explained that they would be emailing me a check for {$8900.00} which I needed to deposit into my bank account and then wire transfer the funds. When I questioned why such a large amount needed to be processed this way, I was told it was " company policy. '' After depositing the check and completing the wire transfer as instructed, I discovered within minutes that my bank account was overdrawn by approximately {$5600.00}. I immediately contacted Bank of America by phone and was advised to open a fraud case on that very same day. My tax money and my pay was on auto transfer and now its - {$3000.00} After its been 40 days I called Bank of America and spoke to a supervisor for an update. He was very rude and told me that its none of your concern and we are waiting for the other bank to respond and we wont send any further attempts to the XXXX. It has not been 60 days and I received an email the very next day after speaking to a supervisor that the case has been closed. So basically my {$8900.00} is gone and now I have to pay {$3000.00} to the Bank of America. 


I am calling Bank of America again so complaint about this situation. I dont know what fraud department of Bank of America do. This is so wrong how to treat you customers. For me {$8900.00} is not a small amount and it was the first time that happened to 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a certified debt validation request to LVNV Funding LLC after they began reporting a debt on my credit report. I asked for verification under the Fair Debt Collection Practices Act ( FDCPA ), including a signed agreement, a detailed account history, and proof that they are the legal owner of the debt. In response, I received a billing summary and a copy of one statement, but no legally sufficient documentation was provided. 

This does not meet the standards of debt validation under FDCPA 809. Despite this, LVNV continues to report this account to the credit bureaus, negatively affecting my credit. I am requesting that the CFPB require LVNV Funding LLC to cease reporting and delete this tradeline if they can not provide full, verifiable documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
There is a charge off account from XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) being reported by XXXX XXXX and Equifax with a date of XX/XX/year> and a balance of {$0.00}. Despite the fact that the account has a {$0.00} balance and is clearly closed, it remains on my credit report in a derogatory status, which is misleading and damaging to my credit profile. Under 15 U.S.C. 1681c ( a ) ( 4 ), charge off accounts must not be reported longer than seven years from the date of the first delinquency that led to the charge off. Given the age of this account, this negative mark is due for suppression or removal depending on the date of first delinquency. However, none of the bureaus have verified whether it complies with reporting limitations, and instead have allowed this outdated derogatory to persist. 

This situation raises serious concerns about whether the credit bureaus are conducting reasonable investigations or simply auto-verifying items without actual documentation from the creditor. Additionally, the fact that the balance is reported as {$0.00} indicates the account has either been paid, settled, or discharged, and should no longer be flagged as a charge off without further explanation or context. These inconsistencies suggest poor data management or possibly the result of prior data breaches, where legacy accounts resurface erroneously or without proper reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My current address is reported on my Equifax credit report as XXXX XXXX XXXX XXXX, XXXX, TX XXXX. However, this information is inaccurate or outdated and does not reflect my true current residence. Accurate personal information is critical because it directly impacts my credit reports reliability and the decisions lenders make about me. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required by law to ensure that all personal information reported is complete and accurate ( 15 U.S.C. 1681e ( b ) ).

Given the increasing prevalence of data breaches that can corrupt or distort consumer data, I am deeply concerned that my personal information may have been compromised or improperly maintained. I am therefore disputing this inaccurate address entry and requesting that Equifax investigate the source of this misinformation thoroughly. Equifax must also review its procedures to ensure compliance with federal requirements for accuracy and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Reference : Credit Report dated XX/XX/XXXX Bureaus Involved : TransUnion, XXXX, XXXX  XXXX : [ Insert student loan servicer name, e.g., XXXXt if applicable ] Dear CFPB Representative, I am writing to formally dispute the reporting of one or more student loan accounts that appear on my credit report as reflected in the XXXX report dated XX/XX/XXXX. 

These accounts are inaccurately marked with late payments or are being reported in collections, despite the fact that : I was not notified in advance that my student loan ( s ) were exiting deferment. 

I did not receive any billing statements prior to the appearance of late payments or negative marks on my credit reports. 

The loan servicer failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and other federal laws by not providing written notice or a proper billing schedule before negative reporting. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under 1681i, I have the right to dispute inaccurate or incomplete information and request that it be removed or corrected. 

Because I was not given the opportunity to bring my account current due to the absence of any prior notice or billing, the derogatory reporting is both unfair and unlawful. I respectfully request the following :

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm contacting you because there's a credit inquiry on my report that should not be there. I never gave this company permission to pull my creditplain and simple. I didnt apply for anything, I didnt authorize it, and I have XXXX relationship with them. 

This inquiry is unauthorized, and from my perspective, its fraudulent. Its a violation of my rights and has absolutely no business appearing on my report.

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 2025-05-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation 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 2025-05-23 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-05-23 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
PUBLIC INFORMATION REPORTING TO MY CREDIT REPORT That need to be removed My inquiry confirmed Equifax Credit Bureau has never validated or verified this information with the original creditor COURT : Federal REFERENCE : XXXX XXXX  XXXX Bankruptcy - is in violation of the FCRA code 15 U.S. code 1681b, 15 U.S code 1681s ( 2 ) ( b ), 15 U.S code 6802, 15 U.S code 1028A, 15 U.S code 1681c-2 also meeting metro 2 reporting regulations XXXX XXXX - XXXX associated with litigation claim reference that is also in violation of the FCRA code 15 U.S. code 1681b, 15 U.S code 1681s ( 2 ) ( b ), 15 U.S code 6802, 15 U.S code 1028A, 15 U.S code 1681c-2 also meeting metro 2 reporting regulations XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA XXXXode 15 U.S. code 1681b, 15 U.S code 1681s ( 2 ) ( b ), 15 U.S code 6802, 15 U.S code 1028A, 15 U.S code 1681c-2 also meeting metro 2 reporting regulations XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA code 15 U.S. code 1681b, 15 U.S code 1681s ( 2 ) ( b ), 15 U.S code 6802, 15 U.S code 1028A, 15 U.S code 1681c-2 also meeting metro 2 reporting regulations XXXX- XXXX associated with litigation claim reference that is also in violation of the FCRA code 15 U.S. code 1681b, 15 U.S code 1681s ( 2 ) ( b ), 15 U.S code 6802, 15 U.S code 1028A, 15 U.S code 1681c-2 also meeting metro 2 reporting regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've recently check my credit report and notice multiple items that i have absolutely no knowledge of which have been detrimental to me being accepted for a mortgage loan.

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 2025-05-23 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED XXXX : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

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