vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I had purchased a paid Experian account which has since lapsed. Now the company has attempted to charge my bank account at least XXXX times, they will not let me into my basic account without reactivating my paid membership, i am unable to reach a live person by phone or email.

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 2025-07-25 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a customer of the Bank of America for over 15+ years and live on XXXX Florida . I was XXXX XXXX XXXX  on XX/XX/XXXX - XX/XX/XXXX for something l have not done. 
While I was in jail a friend got access to my phone that I was made to leave in my home and stole my identity, they accessed every account, including my Bank of America account and several other financial institutions, accessed and used credit cards also left in the property. They changed every password and used my Bank of America account to rack up over {$4900.00} overdraft when l do not have any agreed o/d facility. 
I had everything l possess stolen, I have lost my home and been treated appallingly by the BoA, my mother discovered fraud was committed while I was in jail and contacted the Bank immediately, they made notes on the account but would not discuss the account although she has my Power of Attorney, they would not accept it. I have a police report registered with XXXX XXXX Police Dept back in XXXX, the report number is XXXX, being dealt with by Detective XXXX XXXX the perpetrators name is known to the police. 
When first released I went immediately to the bank with proof of the fraud and they refunded approximately {$3300.00}, but the amount taken was vastly more. The perpetrator used my XXXX account connected to my BoA to defraud me and also paid off and reused credit cards of over {$2000.00} all on my BoA account. 
After the first amount of money was refunded I had access to those funds and was claiming the second amount fraudulently used. They declined the {$2000.00} credit card payment because they didnt believe I was incarcerated and had told me I had legitimately made the payment, when in jail, and then demanded last week that l give proof of my incarceration which I have obtained from the jail and sent a copy to the bank, Both amounts have now been reversed - totalling {$4900.00} of my money that was allowed to be fraudulently obtained by the bank, with no approved overdraft and my account frozen minus {$4900.00} I am beyond devastated the the Bank of America have taken this unfair, unjust and disgusting stance e when proof of fraud has been made available or to them and is all on record. 
I now find myself again in the original situation with no help, l hope you will intervene in the disgraceful situation the are allowing to happen., thank you

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 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I had received collection letter from sunrise credit service dated XX/XX/year>. I contacted them and they told me I need to resolve it with XXXX. After numerous hours spent in store and over the phone finally XXXX president office was involved, and they resolved and confirmed that I should have never had any bill, since never had account activated with them. They told me XXXX will mail me updated statement of {$0.00}. 

I also email Sunrise collection providing them the case # from XXXX XXXX XXXX and disputed but they never responded to. So, I called sunrise credit service today XX/XX/year> around XXXX requesting them to provide me a letter stating I don't own them anything, since I had a letter from them asking me to pay. Over the phone they confirmed it is XXXX balance, so I told them please provide me a proof via mail or email, so I have document stating it is clear and XXXX. 
They said they can not their system does not allow it, so I asked them when you sent me a letter asking for money, I told you it is not correct, and I don't owe anything to XXXX. At that time, you asked me for a proof. So, it I simple I need a proof that I don't owe you anything. 
How is it a fair practice when consumer can not get a document stating they don't owe anything and only verbal message. As a consumer i end up spending multiple hours and trip to XXXX store to resolve which was a mistake from XXXX and collector does not have capability to provide document stating it is XXXX balance???

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for wrongly deleting my current and valid address which has led to unjust harm to my credit report from Experian. It has led to several denials from getting approved for new apartment complexes and new credit cards. I contacted Experian by phone and was informed that I have no address on my credit report and it was deleted by mistake. I never disputed my current address. I mailed in dispute letters to remove old, non current addresses from my credit report and Experian deleted all the addresses. This has led to me not being able to view my current Experian credit report and I was instructed to upload my drivers license and utility bill to Experian to correct the problem but have not heard anything back.

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 2025-07-25 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: OH

Complaint narrative:
See below attachment, I get a text at least once a week, for quite sometime now. I do not respond but do block the number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: 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 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 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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I recieved a credit card offer in the mail. I am trying to rebuild my credit and decided to see that amount of credit I could get with the ALLY credit card based on their mailer. The mailer speaks to everything such as apr, terms, and such, but no where is there a number to call to ask how much the line would be so you have to fill it out, input your personal data, and if approved for ANY line, even {$200.00}, you are now the proud owner of that card. When I saw it offered me {$300.00} as a line of credit, I decided that was not high enough and thought I was fine just not going with that offer. However, they opened the account the minute they approved me for the {$300.00}. I called on XX/XX/XXXX and spoke to a supervisor on a recorded line to explain I do not want the card, and that they opened it without my permision. I told her if they would increase the line I would consider actually accepting the card offer and if not I wanted if closed and not to effect my credit. She stated that they could contact the trade line to protect me, and that someone would call me back in XXXX days. I called today, after XXXX days and was told by XXXX supervisors that I did not have the option to not have the line open, and that I could not get more credit, and that they would not contact the trade line. I am stuck with the card, and would not let me speak to anyone in a higher supervisor level. I spoke to supervisors today, XX/XX/XXXX that both told me this and the second one even agreed on a recorded line the consumer can NOT find out how much credit they can get without applying and then having an account open if any line of credit is available. I want this card off my trade. I have NOT activated the card.

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 2025-07-25 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: MI

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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-07-25 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: IL

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I disputed debt that CMRE Financial Services attempted to collect via Text Message on XX/XX/year>. This email is attached. CMRE has continued to attempt to collect the debt despite failing to provide the requested proof/information, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
CFPB Consumer Complaint Statement Legal Narrative Complainant Name : XXXX XXXX. XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Summary of Complaint After thoroughly reviewing my Equifax credit report, XXXX identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge. These items are not only inaccurate but also constitute violations of multiple federal consumer protection laws, and have resulted in credit denials, financial injury, and emotional distress. 

I have made formal disputes directly with Equifax, and I am now escalating this matter to the CFPB for investigation and regulatory enforcement. 

Unauthorized Accounts Present in My Equifax Credit File XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1100.00} Opened : XX/XX/XXXX These accounts were reported without my knowledge or approval. I never applied for credit with these companies, nor did I authorize any services or transactions related to these accounts. Their presence is false, damaging, and illegal. 

Hard Inquiries Made Without Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of these inquiries. I contacted some of the companies listed and confirmed no applications or authorizations were submitted under my name. Therefore, these inquiries constitute unauthorized access to my consumer file in direct violation of FCRA 604 ( 15 U.S.C. 1681b ).

Laws Violated The actions of Equifax and the data furnishers involved are in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681b Unauthorized access 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose 1681i Failure to conduct reasonable reinvestigation 1681s-2 ( b ) Furnishers failure to correct inaccurate info Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 FCRA 609 ( a ) ( 1 ) - ( 2 ) Failure to provide supporting documentation FCRA 607 ( b ) Failure to use reasonable procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 which only 2 are required per the LAW. Which I have provided all of my 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is intentionally allowing for misleading and inaccurate information to be reported on my credit report. The account in question was charged off and closed on XX/XX/XXXX, with the last payment reported on XX/XX/XXXX. Despite this, XXXX reported to Experian on XX/XX/XXXX that the account was over or at the credit limit, implying it is still active.

I

submitted an affidavit, a 1099-C cancellation of debt form, and an FTC fraud report disputing this information. I also requested reinvestigation, but no proper documentation or source verification has been provided in accordance with FCRA 611 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Furthermore has verified the account without offering any investigation records or documentation of verification sources, which violates FCRA 611 ( a ) ( 7 ). The data reported is contradictory. XXXX can not legally report an account as charged off, closed, and simultaneously over the limit in XXXX. This is misleading, harms my credit profile, and indicates systemic noncompliance.

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 2025-07-25 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: FL

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 response to consumer: Closed with explanation