vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau 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 : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXXXXXX Personal 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
b'I have five unauthorized inquiries on my credit file I would like removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

* * Demand for Validation & Cease Communication * * Pursuant to 15 USC 1692g, I dispute the referenced debt in its entirety and demand strict validation. * * CEASE ALL COLLECTION ACTIVITY IMMEDIATELY * * per 15 USC 1692c ( c ).

Your validation must include, per 15 USC 1692g ( b ), 1681i ( a ) ( 5 ), and 1666 ( b ) : 1. * * Proof of Contractual Obligation : * * Signed agreement establishing liability.

2. * * Complete Accounting : * * Itemized principal, interest, fees from {$0.00}.

3. * * Proof of Ownership : * * Documentation proving lawful assignment/purchase.

4. * * License Verification : * * Evidence of collector/licensee compliance in my state. 

* * Credit Reporting Demands : * * * If reported, ensure accuracy per 15 USC 1681e ( b ) ( reasonable procedures ). 
* Provide all information furnished to CRAs per 1681i ( a ) ( 5 ). 
* * * Immediately suppress * * this disputed information from all consumer reports pending validation. 

* * Privacy Demands : * * * * * Cease all non-public personal information ( NPI ) disclosure * * related to this disputed account per GLBA ( 15 USC 6801, 6802 ), except as expressly permitted by law.

* * Failure to validate voids the debt. * * Continued collection, reporting, or NPI disclosure without validation violates : * FDCPA : 15 USC 1692g ( b ) ( continued collection ), 1692c ( c ) ( communication ), 1692e ( false/misleading representations ).

* FCRA : 15 USC 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( furnisher investigation ).

* GLBA : 15 USC 6802 ( privacy ).

* TILA : 15 USC 1666 ( b ) ( billing error procedures ). 

Send validation within 30 days. * * Confirm in writing that all collection efforts and credit reporting have ceased. * * Any future communication must strictly comply with 15 USC 1692c ( c ). This letter serves as notice ; preserve all records. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THEY ARE CONTINUING TO REPORT THESE ACCOUNTS EVEN AFTER BEING NOTIFIED THESE ACCOUNTS ARE DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE.

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 2025-08-11 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:
CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THEY ARE CONTINUING TO REPORT THESE ACCOUNTS EVEN AFTER BEING NOTIFIED THESE ACCOUNTS ARE DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE.

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 2025-08-11 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: CA

Complaint narrative:
I am unfamiliar with these accounts and believe they are fraudulent. Kindly remove them from my credit report and begin an investigation. Relevant 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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
They overcharged the final payment by taking out more than the total payoff due. Then told me they can't refund the money until 30 days after the payment was processed

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 2025-08-11 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: IL

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX there was a wire transfer to my account. I went to bank of america and advised them that there was a wire and it was not from the person who was supposed to be sending it. The lady at the bank XXXX told me that they could have had someone else send it to me and that it was ok. Although she said that i still didn't feel right even after reaching out to the lady who was supposed to be sending it. I never spent any of the money on there and BOA closed my account. I have been with them since XXXX. If wire transfers was a known scam with BOA then when i asked about it someone should have told me. The lady from the fraud department advised me of that. I get alerts for everything else were was the alert for this? Therefore being a customer I should have been notified and provided the option to get another account. I just want my account back open. I did what i was supposed to do and that was bring it to my branch attention and was incorrectly advised and that is not my fault.

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 2025-08-11 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-11 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint & Cease and Desist Proof of Debt Demand To Whom It May Concern, Where is the proof of debt with my true, wet-ink signature? I have conducted an audit through the Department of the Treasury and filed both a UCC-1 Financing Statement and a UCC-11 Search , which confirm that there is no debt or lien registered under my name. 

There is no valid, original contract agreement binding me to any alleged debt. Without proof of a lawful, executed agreement containing my genuine signature, the alleged debt is not mine. 

You have continued to unlawfully sell, share, and profit from my private information in violation of my rights under : Uniform Commercial Code ( UCC ) Administrative Service Codes ( ASC ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 This is an Executor Order : Cease and desist all collection, reporting, and sale of my information immediately. You will be audited again for continued violations. 

Be advised : An FTC report has been filed regarding this matter. 

This matter has also been reported to the Department of the Treasury. 


Failure to comply will result in further lawful actions, including claims for damages for each violation and notification to appropriate state, federal, and international oversight agencies. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Oportun for what I believe to be abusive interest charges and an unfair loan contract. 

On XX/XX/year>, I obtained a personal loan from Oportun in the amount of {$7700.00}. The loan was structured to be repaid over 48 monthly payments of {$280.00}. I have been making payments for over two years without interruption. 

However, when I recently contacted Oportun to inquire about paying off the loan early, I was informed that my outstanding balance is still $ XXXXdespite having already paid a substantial amount toward the loan. 

When I asked them to provide a payoff amount with interest removed, they refused, stating that the contract I signed does not allow for early payoff or removal of interest charges. In effect, they are requiring me to continue paying interest for the full term of the loan, even if I have the means to pay the principal in full now. 

I believe this is an unfair and abusive lending practice. Denying borrowers the right to pay off a loan early, or conditioning payoff on paying unearned future interest, violates the principles of fair lending and traps consumers in extended debt. 

I am requesting the CFPB to : 1. Investigate Oportuns loan contract terms and interest calculation practices. 
2. Determine whether their refusal to allow early payoff without future interest is in violation of federal or state lending laws.

3. Assist me in securing the ability to pay off my loan without being forced to pay unearned interest. 

I have attached a copy of my loan agreement, recent statements, and payment history for your review. 

Thank you for your attention to this matter. I look forward to your response. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
Cancelled Reservation through XXXX for a XXXX XXXX in XXXX from XXXX. Was still charged the first night for failure to book, even though I cancelled way ahead of time. They are refusing to look further into it even after providing proof that I should not have been charged. This resulted in a late payment on my credit because the minimum payment was set too high with that transaction still on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/year>, Transworld Systems Inc. began reporting a new collection account for Original Creditor : XXXX to the credit bureaus. The account shows as opened XX/XX/year>. 

As of todays date, XX/XX/year>, I have never received the legally required written validation notice within 5 days of their initial communication or reporting, as required by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ). 

The only contact I have received from Transworld was a text message on XX/XX/year>, containing a payment link. This does not satisfy the legal requirement for a written notice via mail. 

Because Transworld failed to provide the required notice, they did not give me the opportunity to exercise my right to dispute the debt and request verification in the proper legal timeframe. This is a clear violation of the FDCPA. Late compliance does not remedy the original violation. 

I am attaching : A screenshot of my credit report showing the date Transworld reported the account.

A screenshot of the text message received on XX/XX/year>. 

Failure to comply with the FDCPA harms my credit standing and ability to secure housing, and I am requesting swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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