vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-11 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: IL

Complaint narrative:
Per the guidance from Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you block the above-mentioned information from my personal consumer credit reports within 4 days, pursuant to section 605C and 605B of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would sincerely desperately appreciate deletion and blockage of the abovementioned accounts and information. The Fair Credit Reporting Act, I expect you to act on this request expeditiously, blocking and deleting the fraudulent items on my credit report. Please confirm receipt of this letter and keep me updated on the actions being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: IL

Complaint narrative:
Per the guidance from Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you block the above-mentioned information from my personal consumer credit reports within 4 days, pursuant to section 605C and 605B of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would sincerely desperately appreciate deletion and blockage of the abovementioned accounts and information. The Fair Credit Reporting Act, I expect you to act on this request expeditiously, blocking and deleting the fraudulent items on my credit report. Please confirm receipt of this letter and keep me updated on the actions being taken.

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 2025-05-11 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: FL

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.The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my BofA checking account broken into after I was taken from my XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX administered to my neighbors illegal substances and illegal XXXX to let me have it if I don't feed them, and they consistently called the police on me so she can squat in my home. She threatened me after I cooked a 7 course dinner for her family if I don't take care of her family she will force me to take care of all of her family and make sure XXXX XXXX XXXX XXXX  me to get her point across to me ( XXXX XXXX XXXX out of a mental institution ) They kept harassing me and I kept the grounds clean. I paid rent XX/XX/year>. The neighbors in # XXXX viciously lied to the police while I went out to clean one night and took me from XXXX XXXX to XXXX XXXX from XXXX. My account was being broken into by them. They stole my wallet from XXXX  XXXX  XXXX  on XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Including my new {$500.00} credit card I applied to in case of emergency. I had no place to live. I was homeless for so long the representative said I am a deralique. I have no money even now due to XXXX XXXX XXXX with the XXXX 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 2025-05-11 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: Kikoff Inc.
State: OH

Complaint narrative:
I was a victim of identity theft, and Ive told the company this. I want these unauthorized charges removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was a victim of identity theft, and Ive told the company this. I want these unauthorized charges removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have disputed the debt more than 5 times and also asked them to provide me with a XXXX and a debt validation letter and a chain of assignments. The amount of the debt is incorrect as well. This company has no authorization to have my information and doesn't have anything supporting this debt with my signature. After repeatedly disputing this debt Jefferson Capital kept reporting this as accurate which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several names on my credit report that are not my name. The spelling of the is wrong. Also several addresses

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several names on my credit report that are not my name. The spelling of the is wrong. Also several addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: VA

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, CHALLENGED OR NOT.

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 2025-05-11 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: MI

Complaint narrative:
As of today, I have not received any response indicating that these errors were investigated. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I expect a thorough investigation into my claims. I received a letter stating the accounts were not on my credit report. When i received my report report they were there. They are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
problems started XXXX, when the original mortgage company filed bankruptcy and closed down. my account was sold to the current mortgage company Select Portfolio Servicing, the original amount barrowed was {$58000.00} and was on time with my payments until SPS took over account in XXXX my balance is now {$95000.00}. did the ever credit the account? 
last year i had to file bankruptcy because they scheduled to foreclose on my home, bankruptcy was filed XX/XX/XXXX and my payment for the month was {$2700.00} which was being automatically deducted from my paycheck twice a month. my take home pay was {$190.00}. every XXXX weeks. just recently I received a letter from my attorney letting me know that the amount would be increased to {$4700.00} a month, which was impossible for me to pay a difference. 
my attorney stated that the reason for the increase was that because the account had matured in XX/XX/XXXX and the mortgage company was trying to collect the full amt. the bankruptcy case was dismissed on XX/XX/XXXX for non payment of the difference which was {$11000.00}, now i am waiting to see what will happen next. I can not afford to pay for another bankruptcy, the attorney i hired did not help me i feel XXXX more in debt than i was when i hired them to help me. 

I DO NOT UNDERSTAND WHY THIS COMPANY CAME TO FORCLOSE ON MY HOME ALMOST THREE YEARS LATER, AFTER NUMEROUS MODIFICATIONS APPLICATIONS FILED, THEY DEMANDED THE FULL AMOUNT. AS A CONSUMER I FEEL THAT IT WAS WRONG OF THE MORTGAGE COMPANY TO DO SOMETHING AFTER 3 YEARS WITH NO RESOULUTION TO THE MATTER. I HAVE DONE RESEARCH ON THE COMPLAINTS AGAINST SELECT PORTFOLIO SERVICING AND I SEE THAT I AM NOT THE ONLY ONE THEY HAVE DONE THIS TO, THERE ARE TOO MANY CONSUMER COMPLAINTS AND FEEL SOMETHING HAS TO GET DONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
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, CHALLENGED OR NOT.

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 2025-05-11 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: GA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: VA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX Origanal Complaint I paid the amount they asked for and yet they still will not close the account We credited fees totaling {$65.00} as a courtesy and the attached letter was mailed to the consumer. No follow up actions are anticipated other than as set forth below. The letter states as follows : I am responding your complaint recently filed with the Consumer Financial Protection Bureau. In reviewing the account, as a courtesy I have credited the recent fees on the account which were a result of attempted debits. The balance due currently is {$39.00}. Once that balance is paid, we can request the account be closed. Please notify all the creditors that have authorization to withdrawal funds from the account. The recent attempts to withdrawal funds on the account were done by XXXX, XXXX. I apologize for the inconvenience this situation has caused for you and if you have any additional concerns regarding this matter, please don't hesitate to contact me directly at XXXX Transaction Status Notification Business XXXX Sun, XX/XX/XXXX, XXXX ( 7 days ago ) Dear XXXX, The funds transfer referenced below is currently in progress. * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Item # : XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX ( 7 days ago ) Once received please close the account I want TDbank to stop charging me. 
They owe me money I have attached XXXX and XXXX requests to close the account, each time the account was not closed I transfered funds to cover all the charges added. Overdrafts and maintenance fee, I want all that money back {$50.00} for XXXX XXXX and XXXX total {$150.00} They show payments to XXXX and XXXX claims my account has gone unpaid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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 am filing a complaint regarding an inaccurate charge-off being reported by XXXX Bank ( Account # XXXX ) * * on my Experian credit report. 

This account is only reporting to Experian, but not to TransUnion or Equifax, which suggests potential inconsistency or furnishing error. This violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate and complete information.

15 U.S. Code 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If data can not be verified, it must be deleted.

I have disputed this with Experian, but the inaccurate reporting remains. Since XXXX Bank is not furnishing this data to the other XXXX bureaus, and Experian can not verify its accuracy, I request immediate removal of the charge-off account from my Experian credit report. 

This inaccurate entry is harming my creditworthiness and my ability to qualify for financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I am filing a complaint regarding an inaccurate charge-off being reported by XXXX Bank ( Account # XXXX ) * * on my Experian credit report. 

This account is only reporting to Experian, but not to TransUnion or Equifax, which suggests potential inconsistency or furnishing error. This violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate and complete information.

15 U.S. Code 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If data can not be verified, it must be deleted.

I have disputed this with Experian, but the inaccurate reporting remains. Since XXXX Bank is not furnishing this data to the other XXXX bureaus, and Experian can not verify its accuracy, I request immediate removal of the charge-off account from my Experian credit report. 

This inaccurate entry is harming my creditworthiness and my ability to qualify for financial products.

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 2025-05-11 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: CA

Complaint narrative:
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 personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, at XXXX on XX/XX/XXXX, at XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy opened on XX/XX/XXXX, Credit card from XXXX XXXX opened on XX/XX/XXXX and another one for XXXX XXXX  opened on XX/XX/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 # ( private case number ) 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 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