vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OR

Complaint narrative:
On the XXXX of XXXX I made a mistake of a over payment on a account balance XXXX XXXX XXXX XXXX dollars and XXXX XXXX  balance with an payment of XXXX XXXX dollars and XXXX XXXX and XXXX cents. From a Bank of America checking to a Bank of America credit card. The bank had no way to stop the payment that day. Was told to call back the next day, I was told it could take ten days to get my over payment back if at all. I have made five phone calls was told on one call it would be resolved in 24 to 48 hours. Then when I called back I was told that information wasn't correct. Ask to speak to a supervisor at bank of America denial every time. It might be time to find a bank with customer service.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-16 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN 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 2025-05-16 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN 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 non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
TO : TRANSUION, EQUIFAX and EXPERIAN. I recently pulled all three of my credit reports and noticed some SEVERE INCONSISTENCIES within are 3 reports in regards to an Auto Loan Account with XXXX  XXXX. The account # is XXXX. I have noticed that you guys are reporting a payment history that is indeed 100 % INACCURATE, INCOMPLETE and totally INCONSISTENT amongst these three credit reports. By the payment history being reported INACCURATELY, INCONSISTENT and INCOMPLETE, this means the account has NOT been properly verified as stated before. Equifax have dates that I was payed on time as were Transunion is claiming I wasnt. Experian also has a totally different payment history. This totally goes against FCRA guidelines ( 15 U.S. Code 1681s-2 ) due to this account being reported INACCURATELY which results in me having a FALSE and UNTRUTHFUL credit score. Please delete this account 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 2025-05-16 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:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX  Please remove it 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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding a dispute I submitted on XX/XX/year>, for which I have yet to receive any response. On that date, I sent a debt validation request to all three credit bureaus, as I do not recognize the account in question. Given the lack of response and failure to provide proper validation, I am requesting that this item be removed from 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing an complaint because my creditor is reporting late payments on account # XXXX are inaccurate and not properly verified. I have disputed this directly with the credit agencies and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681s2a

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: NE

Complaint narrative:
I made a phone call to the company verified my account with them. I then asked them if they could begin with the first step and send me a detailed invoice of the account. They began to banter me and tell me that they will not send an invoice to me, and I need to pay my debt that I owe, and they would not give me information. At the end of the call, the man tried to say that they did send something. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint concerning a fraudulent XXXX account that was opened without my knowledge or consent and later reported to the credit bureaus by a collection agency. This account does not belong to me, and both XXXX and its affiliated debt collector have made it virtually impossible to resolvepassing blame between each other and refusing to take meaningful action. 

I recently discovered a collection item for {$180.00} on my credit report. I contacted the collection law firm at XXXX, reference number XXXX, and was told the account was associated with an address I have never lived at. The representative acknowledged that the file likely involved fraud and said they would note the account as disputedbut then directed me to XXXX for resolution. 

When I contacted XXXX, I was told they could not assist me unless I provided the account 's PIN or other identifying informationinformation I obviously do not have, because this account is fraudulent. Despite clearly stating this, I was told to contact the collection agency again or go to a XXXX store in person. 

This has been an endless cycle of deliberate runaround. I even attempted to merge calls between XXXX and the law firm so they could resolve the matter together, but both parties continued to blame each other. Neither has taken any responsibility or offered any legitimate path to resolution. 

To be clear, I lived at a completely different address during the time this account was opened, and I had home internet service through a different provider entirely. There is XXXX chance this account belongs to me, and the credit reporting is damaging and false. 

This situation is now affecting my ability to obtain housing, credit, and conduct personal financial planning. I demand the following actions : Immediate removal of the fraudulent XXXX account and related collection item from all credit reports and internal records. 

A full investigation into the creation of the account, including why no identity verification protocols prevented this fraud. 

A full refund of any charges billed to this account, issued to me via bank check sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation that the account has been permanently closed, the debt canceled, and that no future collections or credit reporting will occur related to this matter. 

This entire experience has been stressful, time-consuming, and highly damaging to my credit and reputation. I am asking the Consumer Financial Protection Bureau to intervene and compel both XXXX and its collection partners to take full corrective action 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 2025-05-16 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation. I am requesting that your office provide me with evidence that I am obligated to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 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: AZ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have been going around for several months now about my not receiving notification of a decrease in my credit limits which devastated my XXXX  score. Citi refused to provide me with an electronic copy of the notification they allegedly sent. With that said, I have had credit with Citi for over XXXX  years prior to this incident and maintained a near perfect credit score. Due to shear frustration and a death I stopped paying for XXXX  months. I then contacted you and worked out an arrangement to pay, closed my accounts and brought them current. Now, I have paid them off entirely. My XXXX  score is still in the weeds due to Citi reporting this very small frame of time where I had late payments. I am asking that you instruct the reporting agencies to remove these derogatory statements so I can get back on my feet. Everyone deserves a second chance. If you look at my payment history over the years it has been perfect. 

I still maintain XXXX card from Citi and it's in perfect balance. Previously, I had requested you reinstate my other cards but I was declined. 

I am asking you to please remove these derogatory remarks. 

Regards, 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Account XXXX XXXX XXXX I am unaware of this debt, and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was in a grace period for my income based repayment plan for my student loans. I sent off the application but they never received it. I uploaded a written document on XX/XX/XXXX stating that I don't have any income at the time with my last XXXX digits of my social security number and my account number. I had to resend it on XX/XX/XXXX. I called and spoke to several different people about my account and they told me that they would fix it. On XX/XX/XXXX my loans were {$0.00}. I also received a letter on XX/XX/XXXX stating that my Income based repayment plan was approved starting XXXX. This issue has reported to my credit report as XXXX late payments which affected my credit score. I asked them was it something they could do they told me no so I asked for them to mail me the documentation and I do have that as well.

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 2025-05-16 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I check my credit report and notice a decrease in my points due to a delinquent report being added from my student loans. I was not given prior notice to 90 day delinquent status being on my credit report. Student loans were in forbearance and deferment during the time of delinquent status being in place. Nor was there a 30-60 day prior to the 90 day late status.

Company response to consumer: Closed with explanation