vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
In XX/XX/year>, a collection account was opened with XXXX XXXX XXXX for {$160.00} on behalf of XXXX . I did not authorize this account or receive any related services. I discovered this fraudulent activity in XX/XX/year> when reviewing my credit report. I immediately filed a report with the Federal Trade Commission and began the process of disputing the account.

I have never received any communication from XXXX or XXXX before the collection appeared on my credit report. The account appears to be the result of identity theft. I submitted an Identity Theft Report to the FTC on XX/XX/year>, and I am requesting the removal of this fraudulent collection 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 explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/year>, I sent {$350.00} to a friend of mine but I put one digit wrong on the phone number and the money was sent directly to the wrong person, I did call the bank but they are saying they can't do anything about my money

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 2025-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Re aging of XXXX XXXX accts re reporting as new charge off each month for over 40 months my disputes were ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re aging of XXXX XXXX accts re reporting as new charge off each month for over 40 months my disputes were ignored

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
At around XXXX XXXX on XXXX, XXXXXXXX XXXX I received alerts from my bank stating that There had been a transaction of about {$1500.00} attempted at a XXXX XXXX and closed my account. Upon calling them back, I learned that the person calling was also a scammer and had given him my account information. They attempted to transfer about {$2000.00} via XXXX and then the {$1500.00} at XXXX and an additional {$100.00} at a barbecue spot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint against multiple debt collection agencies who have been attempting to collect on purchased debts within the State of Michigan, despite not being licensed, bonded, or authorized to operate in this capacity per Michigan regulations. The agencies named below have violated my consumer rights by continuing collection attempts via phone and mail, and in some cases, engaging in harassment and intimidation. 

The details of the agencies and accounts involved are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Alleged Balance : {$420.00} Each of the above entities has failed to provide licensing verification as required by Michigans Department of Licensing and Regulatory Affairs. Their actions may violate : - The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Michigan Occupational Code, MCL 339.901 et seq.

I am requesting that your office investigate these companies for unauthorized debt collection practices, and take appropriate regulatory action to stop these unlawful attempts to collect debts from Michigan residents. 

I am willing to provide supporting documentation including mailed notices, call logs, and cease and desist letters upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase credit card and was asked to verify my identity. I submitted all required documents ( ID and proof of address ) and completed phone verification with a one-time passcode. Despite this, my application was denied due to an unspecified discrepancy, and I was told I must visit a branch in person to continue. I disclosed to multiple Chase agents that I have a XXXX that prevents me from visiting a branch and requested a reasonable accommodation under the AXXXXA. I was told there were no supervisors available and that a review ticket would be raised. No remote verification alternative was offered, and I was denied without further explanation or opportunity to reupload my documents. 

I am requesting that Chase honor my verified identity and reconsider my application, or at minimum provide a legally compliant remote option as required under AXXXXA and Equal Credit Opportunity Act standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I hereby request, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), the immediate removal of a hard inquiry appearing on my credit history that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not consent to this inquiry, and therefore, I believe it is a violation of my rights under FCRA Section 604 ( 15 U.S.C. 1681b ), which establishes that my credit history may only be accessed for certain permissible purposes and with my authorization. 

I request that you investigate this matter and remove this inquiry immediately. I have enclosed a copy of my credit report with the disputed inquiry flagged, along with a copy of my identification and proof of address. 

If you can not verify the legitimacy of this inquiry within the statutory 30-day period, you must remove it pursuant to the FCRA. I look forward to receiving a written response within the stipulated timeframe. 

Thank you for your prompt attention to this matter.

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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'Re fraud on my Home Depot card. \n\nOn XXXX XXXX I received warning text messages on my phone:\nFree Home Depot Citi Fraud\nMsg: Card XXXX. Did you attempt $XXXX  at THE HOME DEPOT on XXXXYes = 1, No= 2\n\nI responded NO.   The response was:\nThank you for your response. To open a fraud dispute, please call us at XXXX XXXX XXXXI called this number to open a fraud dispute  and also noticed another amount on XXXX XXXX.   I did not make or authorize this transaction either.  \n\nI keep all my credit cards locked away in my office unless I intend to use them.  I did not have this card on my person and definitely did not make either of these purchases.  I had just paid off XXXX  of my XXXX  Home Depot cards and the amount on this card should be zero.\n\nFurther:\nI talked with the Home Depot location and they produced a copy of the receipt for this fraudelent charge.  The receipt shows the date and time.  I was working 30 miles away during this time - and definately did NOT make this purchase.    \n\nI have tried several times to resolve this situation with the credit card company but I only get a form-letter type response.  It seems they do nothing to research my case and just want to conclude the 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 monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
My credit score was XXXX on XX/XX/XXXX and has always been close to XXXX. I haven't missed any payments on my financial obligations. However, on XX/XX/XXXX, my credit score dropped by XXXX points, prompting me to investigate immediately. Below is the information provided by XXXX. How could this happen? The creditor has never sent me a bill, and I have never signed a contract with them. 

Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1700.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Month On record until XX/XX/year> Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/year> to XX/XX/year> This account is scheduled to continue on record until XX/XX/year>. 
Historical info Original creditor XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint serves as a formal follow-up to my previous dispute regarding the following inaccurate and unverifiable accounts that continue to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
This complaint serves as a formal follow-up to my previous dispute regarding the following inaccurate and unverifiable accounts that continue to appear on 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 explanation
Consumer complaint received 2025-07-12 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:
A XXXX XXXX collection account for {$2000.00} has been incorrectly reported on all three of my credit reports ( TransUnion, Experian, and Equifax ) for over two years. This account is not mine and has negatively impacted my credit score during this time. 

I contacted XXXX XXXX directly, and they confirmed both over the phone and in writing via email that I have no outstanding debt with them. They also verified that the account number listed in the credit reports does not match any account associated with me. 

Despite this, I submitted formal disputes with all three credit bureaus, and each responded stating the account was verified as accurate. This directly contradicts XXXX confirmation, and the account remains on my credit reports. 

I am seeking to have this inaccurate collection account permanently removed from all three credit reports and for the bureaus to properly reflect the evidence Ive provided. Ive also attached XXXX written confirmation for reference.

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 2025-07-12 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:
A XXXX XXXX collection account for {$2000.00} has been incorrectly reported on all three of my credit reports ( TransUnion, Experian, and Equifax ) for over two years. This account is not mine and has negatively impacted my credit score during this time. 

I contacted XXXX XXXX directly, and they confirmed both over the phone and in writing via email that I have no outstanding debt with them. They also verified that the account number listed in the credit reports does not match any account associated with me. 

Despite this, I submitted formal disputes with all three credit bureaus, and each responded stating the account was verified as accurate. This directly contradicts XXXX confirmation, and the account remains on my credit reports. 

I am seeking to have this inaccurate collection account permanently removed from all three credit reports and for the bureaus to properly reflect the evidence Ive provided. Ive also attached XXXX written confirmation for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
On XX/XX/year>, my mortgage servicer submitted a principal reduction of {$870.00} to all three credit bureaus. XXXX XXXX XXXX reflected this update immediately, but Equifax continues to show the outdated XX/XX/XXXX balance, which is {$870.00} higher than my true balance. I filed a dispute with Equifax on XX/XX/XXXX, but they have not acknowledged or corrected the error. Under FCRA 611, Equifax must conduct a reasonable investigation and update my file to reflect the accurate balance. This inaction is unfairly suppressing my XXXX XXXX and FICO XXXX scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
On XX/XX/2025, I submitted disputes to credit reporting agencies regarding multiple duplicate and inaccurate student loan accounts being reported by Department of Education/XXXX XXXX Despite the 30-day FCRA investigation requirement, I have received no response after 41 days.

DUPLICATE REPORTING VIOLATIONS : Five XXXX loan accounts show systematic inaccuracies indicating FCRA violations : Multiple accounts with identical payment dates Overlapping balances suggesting duplicate reporting Artificially generated account numbers All reported as 120 days late without proper validation SPECIFIC ACTIONS TAKEN : XX/XX/2025 : Filed disputes with Equifax and TransUnion via certified mail XX/XX/2025 : Requested validation of each account as separate legitimate debt XX/XX/2025 : Followed up via phone - no substantive response XX/XX/2025 : Sent second written demand for investigation results XX/XX/2025 : Still no response or investigation results provided FCRA VIOLATIONS IDENTIFIED : Failure to complete investigation within 30 days ( 15 USC 1681i ) Continued reporting of disputed information without validation Violation of maximum possible accuracy standards ( 15 USC 1681e ( b ) ) Furnisher failure to conduct reasonable investigation ( 15 USC 1681s-2 ( b ) ) REQUESTED ACTIONS : Immediate blocking of disputed accounts under 15 USC 1681c-2 Complete investigation with " clear and convincing evidence '' standard Removal of duplicate/inaccurate reporting Documentation proving each account represents separate legitimate debt Validation of 120-day delinquency reporting with specific default dates IMPACT : These inaccurate reports have caused credit application denials, higher interest rates, and interference with business operations. The systematic duplicate reporting suggests willful FCRA non-compliance requiring enforcement action.

The credit reporting agencies and data furnisher have failed to respond to legitimate disputes for over 40 days, violating federal law and causing ongoing harm to my creditworthiness.

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 2025-07-12 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: TX

Complaint narrative:
On XX/XX/2025, I submitted disputes to credit reporting agencies regarding multiple duplicate and inaccurate student loan accounts being reported by Department of Education/XXXX XXXX Despite the 30-day FCRA investigation requirement, I have received no response after 41 days.

DUPLICATE REPORTING VIOLATIONS : Five XXXX loan accounts show systematic inaccuracies indicating FCRA violations : Multiple accounts with identical payment dates Overlapping balances suggesting duplicate reporting Artificially generated account numbers All reported as 120 days late without proper validation SPECIFIC ACTIONS TAKEN : XX/XX/2025 : Filed disputes with Equifax and TransUnion via certified mail XX/XX/2025 : Requested validation of each account as separate legitimate debt XX/XX/2025 : Followed up via phone - no substantive response XX/XX/2025 : Sent second written demand for investigation results XX/XX/2025 : Still no response or investigation results provided FCRA VIOLATIONS IDENTIFIED : Failure to complete investigation within 30 days ( 15 USC 1681i ) Continued reporting of disputed information without validation Violation of maximum possible accuracy standards ( 15 USC 1681e ( b ) ) Furnisher failure to conduct reasonable investigation ( 15 USC 1681s-2 ( b ) ) REQUESTED ACTIONS : Immediate blocking of disputed accounts under 15 USC 1681c-2 Complete investigation with " clear and convincing evidence '' standard Removal of duplicate/inaccurate reporting Documentation proving each account represents separate legitimate debt Validation of 120-day delinquency reporting with specific default dates IMPACT : These inaccurate reports have caused credit application denials, higher interest rates, and interference with business operations. The systematic duplicate reporting suggests willful FCRA non-compliance requiring enforcement action.

The credit reporting agencies and data furnisher have failed to respond to legitimate disputes for over 40 days, violating federal law and causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
My name is XXXX XXXX, my Social Security XXXX is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a mortgage account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a XXXX card account opened with XXXX XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a mortgage account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  and a collection account opened with XXXX  XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief