vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, FTC REPORT NUMBER : XXXX ( XX/XX/XXXX ) This letter is a formal dispute regarding numerous fraudulent accounts and unauthorized inquiries reported under my name and Social Security Number. I am submitting this dispute in conjunction with a filed report to the Federal Trade Commission ( FTC ) for identity theft and data misuse. 
These accounts and inquiries were not initiated or authorized by me, and their presence on my consumer file violates my federally protected rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ). 
DISPUTED ACCOUNTS Regions Bank Account XXXX XXXX XXXX Routing XXXX XXXX XXXXXXXX Account Type : Checking & Savings Incident Date : XX/XX/XXXX Reason : Fraudulent account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Routing XXXX XXXX XXXXXXXX Reason : Fraudulent account UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my knowledge, consent, or written instruction, violating 15 U.S.C. 1681b ( 604 A Section 2 ) : 1. [ Creditor Name ] [ Date ] ( Add here as needed ) LEGAL GROUNDS FOR DISPUTE Under federal law, the accounts and inquiries listed above are in violation of my rights : 15 U.S.C. 1681 Section 602 ( A ) : Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681b ( 604 A Section 2 ) : No report may be provided without written instruction from the consumer.

15 U.S.C. 6802 ( a ) ( b ) : Financial institutions must provide notice and the right to opt out before disclosing personal information to third parties. 15 U.S.C. 1681c ( a ) ( 5 ) : No report shall cont
ain adverse information more than 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Furnishers must not knowingly report inaccurate information.

DEMAND FOR ACTION Accordingly, I demand : 1. Immediate deletion of all the above accounts and inquiries from my credit file.

2. Written confirmation of removal within 30 days from the date of receipt, per FCRA.

3. A full reinvestigation and documentation of how these entries were added to my report.

If these fraudulent and unauthorized items are not removed in a timely manner, I reserve the right to take further legal action. 
Please confirm in writing that these items have been deleted and that my file has been corrected. A copy of my ID and FTC Identity Theft Report is enclosed [ if applicable ]. 
Sincerely, 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 2025-06-24 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 submitted all required documents over 4 days ago and the accounts have not been removed. I included all legally required documentation and it has not yet been deleted as required by law.You are now out of compliance.I demand the immediate deletion of all listed fraudulent items and written confirmation within five ( 5 ) calendar days of the date of this letter, or i will consider additional legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and i have written this complaint because there are several unauthorized accounts reporting to my credit profile and is negatively impacting me.. Please help as the major credit agencies TRANSUNION, EXPERIAN, EQUIFAX Refuse to help. I need these investigated and deleted removed from my report. I am a new dad doing my best to prosper and these credit denials because of these accounts are hindering me. These were not provided with my signature. Please help

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 2025-06-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and i have written this complaint because there are several unauthorized accounts reporting to my credit profile and is negatively impacting me.. Please help as the major credit agencies TRANSUNION, EXPERIAN, EQUIFAX Refuse to help. I need these investigated and deleted removed from my report. I am a new dad doing my best to prosper and these credit denials because of these accounts are hindering me. These were not provided with my signature. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I AM REPORTING FRAUDULENT DEBS PLACED ON MY CREDIT REPORT BY A COLLECTION AGAENCY NAME AMERIECAN PROFIT REOVERY. THEY ARE ATTEMPTING TO COLLECT ON DEBITS I NEVER AUTHORIZED OR INCURRED {$88.00} FOR XXXX XXXX, {$200.00} FOR XXXX XXXX XXXX, {$66.00} FOR XXXX XXXX XXXX XXXX XXXXXXXX, AND {$190.00} FOR XXXX XXXX I NEVER USED THESE COMPANIES, NEVER SIGNED ANY AGREEMENTS, AND NEVER GAVE PERMISSION FOR ANYONE TO USE MY SOCIAL SECURITY NUMBER. I DO NOT KNOW HOW THIS AGENCY OBSTAINED MY INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Individual ( XXXX XXXX XXXX XXXX ) account has been posing as cryptocurrency broker, promising high returns and scamming multiple people. Uses multiple names while signing agreements. Targeting students that went to the same XXXX  by reaching out on XXXX XXXX. Lives in Texas and has multiple civil cases ( XXXX XXXX XXXX ). Has been escaping using aliases, false addresses ). Funds were wire transferred from XXXX to XXXX, banks have denied to help as these were wire transfers. 

Transferred a total of {$130000.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$20000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$22000.00} XX/XX/XXXX - {$10000.00}

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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment history reported on my credit file for the above-referenced GM Financial auto loan account.

I am a XXXX XXXX XXXX XXXX and XXXX Due to the seasonal and variable nature of my income, there have been fluctuations in my payment timing ; however, I have consistently made payments each month and have not defaulted on my obligations. These late payment reports unfairly mischaracterize my intent, effort, and payment behavior.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnished to consumer reporting agencies must be accurate and complete.

15 U.S.C. 1681i ( a ) You are required to conduct a reasonable investigation upon notice of dispute. 
I am requesting that you provide a full account history with payment receipts and any documentation substantiating the accuracy of these alleged late payments. If the loan has been securitized or sold to another party, please provide the chain of assignment or legal standing confirming your authority to furnish credit data under this account.

These negative entries are damaging my credit and were submitted without consideration for legal protections provided during the COVID-19 pandemic ( XX/XX/XXXX XX/XX/XXXX ). 

As a self-employed real estate broker and farmer, my income was directly impacted by the federally declared pandemic emergency. Despite these challenges, I remained in communication with my creditors and made every reasonable effort to maintain consistent monthly payments. 

Under the CARES Act ( Public Law 116-136 ), as incorporated into the Fair Credit Reporting Act, creditors who entered into an accommodation with a borrower due to COVID-19 hardship were required to report the account as current, even if payments were deferred, partial, or late. If no accommodation was offered to me during this period, that omission further illustrates a lack of compliance on your part.

Additionally, under : 15 U.S. Code 1681s-2 ( Furnisher Accuracy Obligation ), and Metro 2 Credit Reporting Standards ( as outlined by the Consumer Data Industry Association ) , you are required to report only complete, accurate, and contextually fair data. Failing to note my economic hardship, while reporting delinquencies during an unprecedented national crisis, is materially misleading and causes unjust financial harm. 
I need to verify if GM Financial is still the holder of my retail installment contract or if its been sold or securitized. Can you provide documentation of current ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to formally request your immediate assistance regarding a credit card account that appears on my credit report without my authorization or knowledge.

1. My credit report with XXXX  shows a credit card account under the name Bank of America, with the last four digits XXXX. 
2. This account was opened on XX/XX/year>, and currently shows a balance exceeding {$3000.00}. 
3. I have filed three disputes directly with XXXX and each time I have been informed that this account belongs to me, which I categorically deny. 
4. Additionally, I have made multiple phone calls to Bank of America, where I initiated a fraud report. 
However, I have not received any resolution or effective follow-up from the bank. 
5. I have brought and attached copies of my credit report showing the disputed account. 
I respectfully request a thorough investigation and that this fraudulent account be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
TRUIST BANK ( XXXX XXXX XXXX ) has been holding funds since XX/XX/year>. These were funds in my Business Account ( XXXX XXXX XXXX ). The bank decided to close my account and it's been a month and I still haven't received the check with the funds that were in my bank account. I've been trying to contact the bank multiple times and they haven't been able to give me an status of the check or even give me any type of information about it, they keep saying that they are waiting for the department that is handling the funds but still nothing.

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 2025-06-24 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: FL

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

1681c-2 ) that you, the Experian credit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this dispute because there is a significant discrepancy between the final balance I was given upon moving out of my former apartment and the amount that has since been reported to collections. Prior to moving out, I communicated with the property management company via phone, email, and digital notifications regarding my final move-out charges. I was clearly informed that my balance was under {$1900.00}. I did not agree with that amount because there is an eviction fee listed which I was not evicted. I just decided not to renew my lease and also it says monthly amount due XX/XX/XXXX but I moved out XX/XX/XXXX. This company also decided to keep my deposit, although I have proof of a clean residence. 

However, after the file was transferred to a collections agency, I was shocked to learn that the amount reported was over XXXX XXXXXXXXmore than double the originally stated balance. I was never notified of any additional charges or adjustments that would explain this drastic increase, nor was I given an opportunity to review or dispute them before the account was handed over to collections. 

This situation is not only financially burdensome, but also raises concerns about fair and transparent billing practices. I am requesting that this account be reviewed for accuracy and that all relevant documentationsuch as a detailed breakdown of the final chargesbe provided to me and the CFPB. 

I have attempted to reach out to XXXX on several different occasions to resolve the first issue. I wholeheartedly believe that because I gave pushback on the less than {$1900.00} balance thats why this was elevated to a significantly higher amount almost totaling {$5000.00}. This is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Recovery Services, LLC
State: MN

Complaint narrative:
A collection account is being reported on my XXXX XXXX XXXX credit report for an apartment lease I previously shared with another individual. The lease listed both of us as co-tenants, yet the alleged balance is being reported only under my name, as if Im solely responsible.

Before move-out, we paid our final months rent and I forfeited my security deposit, which was equal to one months rent. This should have covered any final charges. We were never provided a final bill, and I was not notified of any balance due before this appeared on my credit.

The property management company refuses to provide anything in writing and keeps redirecting me to the collection agency, which has also failed to provide validation. Ive requested documentation proving the debt, but have received nothing.

This is damaging my ability to get approved for new housing. I have a formal dispute pending with XXXX, but I am filing this CFPB complaint because this account is being reported inaccurately and unfairly, in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I recently discovered that multiple accounts have been reported in my name without my knowledge or authorization. These accounts are fraudulent and are currently causing serious harm to my financial standing. I had no involvement in opening these accounts and did not consent to any such activity.

Company response to consumer: Closed with non-monetary relief