vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and the inquiries remain. This failure to act is unacceptable.

The continued presence of these fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing me ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
Somehow a collection account from company named LJ Ross has placed a collection account on my account. I have not received any type of communication with this company whatsoever. I received no calls or any mail. I was not made aware of this debt collection or given the opportunity to dispute this debt prior to it being placed on my credit report. Should this company claim they made me aware of this collection and put me in notice of my right to dispute prior to them placing this on my credit report, I ask that they provide a certified notice containing my signature confirming I received this notice. However, I didn't so they will not provide this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an overage of over {$1700.00}. They sent me a letter in XXXX but no check. I have called many times as well called into my branch. I have been given every excuse under the sun and told to wait. It is not over two months. I am angry as I need this money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and demand for full validation of an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby exercise my right to request verification and proof of this alleged debt.

At this time, I do not acknowledge any liability for the debt in question. Until you provide complete validation as required by law, you must immediately cease all collection activity, including reporting or furnishing any information about this alleged debt to the consumer reporting agencies.

For compliance, you are required to provide the following documentation : 1. Proof of the Original Debt A copy of the original contract, agreement, or instrument bearing my signature that allegedly created this debt.

2. Proof of Legal Ownership and Authority A complete chain of assignment, transfer, or sale establishing your legal right to collect this debt.

Documentation demonstrating your authority to act as a collector of this debt.

3. Full Accounting of the Alleged Balance A detailed itemization of the original amount, all fees, charges, interest, and payments applied to date.

4. Licensing and Bonding Verification Proof that your company is duly licensed, bonded, and authorized to collect debts in my state.

Take notice that : Any failure to provide the above constitutes a violation of federal law and will be documented accordingly.

Any continued collection activity, including credit reporting, without proper validation will be considered willful non-compliance with the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Should you ignore this demand, I will pursue all available remedies, including statutory damages, injunctive relief, and recovery of attorneys fees and costs.

You are hereby notified that you have 30 days from receipt of this letter to furnish the requested documentation. If you can not validate this alleged debt in full, you must immediately : Cease all collection efforts, and Delete any reference to this alleged debt from my credit reports, and Confirm in writing that the matter is permanently closed.

For the record, all future communications must be made in writing only. Telephone calls to me, my family, my place of employment, or any third party are expressly prohibited. 

Failure to comply will leave me no option but to pursue legal remedies to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have no liability to debt with XXXX XXXX XXXX I did not sign any contract with credence resources management I demand that they be removed off of my credit report 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: MN

Complaint narrative:
We were contacted by the debt collectors Friday morning for the first time at XXXXXXXX XXXX then. XXXX again at XXXX and then again on the other phone number and were informed on the day of the call we owe the full amount by the end of the day giving us XXXX hours to come up with a debt we just found out about having. We were told we were contacted last week about it but have XXXX records of the calls happening or ever going through. We did find out the others involved were spoken to but we were never informed about the situation or whats been happening. Im not fully sure on the law but Im pretty sure Im supposed to get more then XXXX hours to come up with the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am confident this late payment report is a mistake. As a punctual payer, I request its removal and an accurate update to my 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
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not open these accounts and suspect identity theft. Please remove them from my report and investigate thoroughly. Supporting documents are attached.

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 2025-08-30 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENITY THEFT AND THERE ARE ACCOUNTS ON MY ACCOUNT THAT IS FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS ASKED T O FILE A FTC REPORT TO HAVE THE ACCOUNTS REMOVED FROM MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX  XXXX credit card through Bank of America was opened XX/XX/XXXX. By XXXX, a card had not arrived and I called a Bank of America branch on XX/XX/XXXX. An employee recommended I wait to see if the card would arrive in the next coming weeks and if not, to call for a replacement card. 

No card came in the mail and on XX/XX/XXXX I received an alert from credit monitoring that a missed payment was reported to my credit. I called Bank of America customer service to ask about this and they said that the annual fee had been charged the day the account was opened. I was sent no card ( required to enroll in online banking ) and no statement balances. They saw that I was signed up for paperless billing, but no emails had been sent. I was unaware of any balance on my card because no statements were mailed and I had no access to the online banking so had no way of knowing that I had a balance to pay. I spoke to several agents over several days to resolve the credit reporting and multiple times was told that something would be noted in the file, recorded, or submitted on my behalf but then when I called the next day, I found that those things werent done. They ordered a replacement card, which was received in late XXXX. 

Realizing that my promotional period for the XXXX bonus miles was past, I called on XX/XX/XXXX to ask if this could be extended the 120 days from the mailing of the replacement card rather than the account opening given that I had no access to the physical card or card information to spend during the promotional balance. This was denied and they offered no other compensation for the major inconveniences and stress caused. The only solution offered was for me to apply for ANOTHER card to spend another {$4000.00} to get the bonus miles. They made no effort to come up with any other solutions. It feels very unethical that they charge the annual fee to the card before its even in possession of the customer. It is also unethical that the promotional periods start upon account opening, even without the customer having possession of the card. This would be fine if the card was actually received within XXXX days, but my card was no received for almost 3 months.

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 2025-08-29 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: NJ

Complaint narrative:
To Whom It May Concern, This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that 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 receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXXXXXX XXXX Date of inquiry : XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Account Number : XXXX. XXXX  Date of inquiry : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX & XXXX Account Number : 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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Okay so I filed a dispute with XXXX  on XX/XX/2025 for a payment that I made to what I later found out was a scam website that just disappeared and I never got the product that I ordered obviously and I was out {$100.00} so anyways I disputed this charge of {$100.00} on XX/XX/XXXX of XXXX  and it is now XX/XX/XXXX of XXXX  and I still have not gotten this issue resolved they won't really give me any answers they just tell me the same thing that it's being reviewed it's being reviewed that's all I ever hear it's been I've escalated it 10 or 12 times and I never get any kind of response it's ridiculous I need my money back I need that made right and they refuse to do their job and they've been rude as they could be horrible I would never use XXXX  again as soon as I get my money back from them I will not ever use them again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On multiple occasions, I contacted Capital Ones customer service through their main number ( XXXX ). Their automated telephone system clearly states that this account is no longer owned by Capital One and has been transferred to XXXX XXXX XXXX. This message plays without any human interaction, as part of their routing system. 

Despite this, XXXX XXXX XXXX claims they do not own the debt, but are simply acting as attorneys for Capital One. This creates a legal contradiction and prevents me from being able to verify who truly owns the debt. 

I have repeatedly asked for documentation proving ownership or chain of title for this alleged debt, and none has ever been provided. I also asked for proof of a payment they claim I made in the amount of {$280.00} on XX/XX/year> and they have refused to provide any receipt or payment record. If a payment was made, it was made in good faith under the belief that I was resolving a valid debt, but no proof of that payment has been furnished. 

The conflicting statements between Capital Ones own system and XXXX XXXX XXXX legal filings have caused immense confusion and resulted in ongoing litigation. 

I am asking the CFPB to step in and investigate whether this account is even legally collectible, as neither party will provide proof of ownership, and this debt is still appearing on my credit despite serious concerns about validity and proper verification. 

Consumers should not be forced to defend themselves in court over debts that may not be valid or owned by the party suing. 

This situation demonstrates why regulatory oversight is needed. A company should not be allowed to pursue litigation without clearly proving it has the legal right to do so especially when conflicting statements from the creditor itself undermine the lawsuit.

Company response to consumer: Closed with explanation