vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2025-08-22 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2025-08-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX, through XXXX  XXXX XXXX XXXX XXXX XXXX , has reported an alleged rental balance of {$4800.00} to the credit bureaus and it is appearing on my credit report as a derogatory collection account. 

This reporting is improper and inaccurate for the following reasons : 1. This is not a consumer credit transaction under the Fair Credit Reporting Act ( FCRA ). No credit, loan, or line of credit was ever extended. This balance stems from a rental dispute/eviction, which does not qualify as a consumer credit account. 
2. The account is inaccurately classified as a consumer collection account when it is not. 
3. The reported balance has increased from {$4700.00} to {$4800.00} without explanation or itemization. 
4. There is no court order requiring me to pay this alleged balance.

5. I never signed any agreement or acknowledgment of owing XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX XXXX this amount.

6. I was never provided proper debt validation despite requesting it, which is required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

As a result, this false and misleading reporting has caused severe harm to my credit profile and my ability to obtain housing and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the Bureaus a XXXX  ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
For months, I have had a negative balance in my Bank of America savings account because I could not afford the XXXX XXXXXXXX account fee. Last pay period, I was able to make a deposit and made a couple transfers to pay bills but nothing under {$100.00}. 

Last week, I noticed around XXXX XXXXXXXX suddenly disappeared from my bank account without a digital trace and no transaction list. 

Today, I was in my account XXXX times today before XXXX and knew there was a little over {$100.00} in my savings. I have not made any transfers or debits from my savings account. Then today around XXXX I saw that about XXXX XXXXXXXX was taken from my savings without a trace. 

I called BOA and expressed that I know that I had no proof but I have been watching my accounts and know that that money is missing- now over $ XXXX that I have caught. 

I AM VERY CONCERNED about other amounts that have been taken that I can not trace as the transactions are " reworked '' to show a lower spread-out amount. Someone from BOA or somewhere took that money today and last week. 

I am enraged and closed my savings account. I have been with BOA for XXXX  years and this is uncalled for.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXXConstant calls from XXXX XXXX. Please make it stop...thank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX claimed that I owed {$45.00} for an account that I thought was closed since no electricity had been used for over a year. Then {$31.00} was added for penalties bringing the amount up to {$76.00}. XXXX then handed this off to a collection agency XXXX for collection but XXXX never sent an email, letter, or made a phone call. It is probably because the amount was so small. 

I attempted to contact XXXX and XXXX to raise the issue. I paid the amount and showed them the numerous errors from my credit report : Critical Date Discrepancies : Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> ( XXXX difference ) Account Status : XXXX : " Open '' XXXX  : XXXX Closed '' XXXX  : " Closed '' Last Active Date : XXXX : XX/XX/year>XXXX XXXX XXXX XXXX XXXX : XX/XX/year> ( XXXX spread! ) Date Reported : XXXX : XX/XX/year> XXXX  : XX/XX/year> XXXX : XX/XX/year> XXXX said they no longer had the case. I asked why there were so many discrepancies and they told me to call XXXX. When I called XXXX they said there was nothing they could do either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing in response to your notification dated XX/XX/XXXX, informing me that my personal information was compromised in a prior data breach. According to your correspondence, the exposure stems from a security breach originally occurring on or around XX/XX/XXXX, in connection with Experians handling of data from XXXX applications. 

I am formally disputing the timeliness and adequacy of this notification under XXXX  XXXX XXXX XXXX, which requires businesses that own or license personal information about XXXX  to notify individuals " in the most expedient time possible and without unreasonable delay '' after discovering a data breach. 

My concerns are as follows : Unreasonable Delay in Notification : The breach in question occurred nearly a decade ago, and was publicly disclosed by Experian on XX/XX/XXXX. 
Yet I received notice only today, XX/XX/XXXX, which constitutes an unreasonable delay of almost XXXX years and appears to violate the timeliness requirement in Section 605B. 
Failure to Properly Identify Impact : If Experian was aware that my personal information was part of the affected dataset in XXXX ( or reasonably should have been ), then the delay in identifying me as an affected party further suggests a failure in reasonable breach response protocols. 
If Experian only recently determined that my data was impacted, I request an explanation of how and when this discovery occurred, along with supporting documentation. 
Insufficient Mitigation Offered : Your letter does not specify whether you are offering identity theft protection, credit monitoring, or other remedial support, which is customary in such situations and recommended by law enforcement and consumer protection agencies. 


Therefore, I request the following under XXXX  XXXX XXXX XXXX : A full explanation for the delay in notifying me of the breach. 
Written confirmation of when you first became aware that my personal information was part of the compromised data set. 
A clear outline of what categories of data were exposed ( e.g., SSN, DOB, drivers license ). 
An offer of identity protection or credit monitoring services for a minimum of 24 months. 
A description of the security measures you have implemented since the breach to prevent similar incidents. 
If I do not receive a satisfactory response within 15 business days, I will consider filing formal complaints with the XXXX  Attorney Generals Office, the Federal Trade Commission ( FTC ), and other applicable regulatory bodies. 

Please respond in writing to the address or email above.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase for {$37.00} and completely forgot to transfer money from my XXXX XXXX to my personal checking account. As the week progressed, I got really busy and did not check my account until Thursday. XX/XX/XXXX and was shocked to see that my account was negative almost {$300.00}. After speaking with a chase representative, I was told that these fees can not be refunded as a complementary action even though I let them know that my debit card has been locked specifically so that I wouldnt get any overdraft fees, as well as not make any purchases due to the fact that I do not receive my XXXX check until the first of every month. As someone who is unemployed, I tried to manage my money very carefully and stretch it out as far as possible so as you can see almost {$200.00} in overdraft fees taken from the only little income I have every month is outstanding. I am taking further action in hopes of these fees being forgiven as I know that {$200.00} for XXXX {$37.00} transaction is absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Company XXXX XXXX XXXX Account # XXXX I am disputing the reporting of the above account. The collection agency is repeatedly updating the balance, which is inaccurate and misleading. This creates the false impression of new activity when none exists.

Under the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ) and the FDCPA ( 15 U.S.C. 1692e ), you are required to ensure only accurate information is reported. Re-aging or falsely updating balances is a violation of these laws. 

I request that you investigate, verify, and correct or delete this account. Please send me the results of your investigation along with an updated credit report. 

Sincerely,

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Dear CFPB : I am filing this formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for unlawful reporting of XXXX negative tradelines on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). These collection items are currently preventing me from securing housing for my family.

Violations by Portfolio Recovery Associates : Failure to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. PRA never provided me with any such notice. This omission is a direct violation of the FDCPA.

Failure to Validate the Debt Courts have held that placing a tradeline on a consumers credit file without proper validation is unlawful. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXXXXXX XXXX XXXX ), the court ruled that reporting a debt to a credit bureau without validating it violates the FDCPA. PRA reported this account without providing validation, thereby engaging in deceptive collection activity. 

Lack of Authorization / Impermissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose initiated by the consumer. I never authorized PRA to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful. 

Identity Theft & Right to Block Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand blocking of any information resulting from alleged identity theft. I never authorized, opened, or entered into any agreement with PRA. Therefore, their tradeline qualifies as unauthorized and must be blocked. 

Deceptive and Abusive Collection Tactics ( Debt Parking ) The CFPB and FTC have explicitly identified debt parkingthe practice of placing debts on consumers credit reports without prior noticeas deceptive and abusive. This is precisely what has occurred in my case. PRA has parked a debt on my credit report without my knowledge or consent, in violation of both the FDCPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
This is my third written dispute regarding the inaccurate and unverifiable accounts being reported on my credit file. I am disputing the following accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. To date, Equifax has failed to provide proper verification or documentation to substantiate the accuracy of these accounts. 

Furthermore, pursuant to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the Court held that consumer reporting agencies can not merely rely on the furnishers verification but must conduct an independent, reasonable investigation. Equifaxs continued reliance on unverifiable or automated systems, such as e-Oscar, violates this duty. I am demanding this dispute not be handled through the e-Oscar system but instead through a manual, independent reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
This is my third written dispute regarding the inaccurate and unverifiable accounts being reported on my credit file. I am disputing the following accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. To date, Equifax has failed to provide proper verification or documentation to substantiate the accuracy of these accounts. 

Furthermore, pursuant to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the Court held that consumer reporting agencies can not merely rely on the furnishers verification but must conduct an independent, reasonable investigation. Equifaxs continued reliance on unverifiable or automated systems, such as e-Oscar, violates this duty. I am demanding this dispute not be handled through the e-Oscar system but instead through a manual, independent reinvestigation.

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 2025-08-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Request for Update  Identity Theft Victim Request to Block and Delete\nFraudulent Accounts\n\nDear Experian Consumer Services,\nI am writing once again to follow up on my prior correspondence regarding fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Experian data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as\nwell as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
They did not collect the orginal XXXX dollars next thing i know there charging XXXX dollars and sold my information including personal info like my social etc with out asking in addition no communication was recived of the orginal XXXX  XXXX company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
In XXXX of XXXX  XXXX I filed disputes with Equifax regarding inaccurate accounts that are not mine. Despite my disputes, Equifax continues to report these accounts, failing to conduct the required reinvestigation and correction under the FCRA. This ongoing reporting of inaccurate information has caused me significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am extremely XXXX  to see that the inaccurate late payments are still showing on my credit report this morning, and I can not understand why. Even after refreshing my browser, nothing was removed. I am urgently asking that the documents I submitted be carefully reviewed so this issue can be fully resolved once and for all.

Company response to consumer: Closed with non-monetary relief