vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Thrid party collection agency reporting to credit 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 2025-07-15 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 did not authorize the listed inquiries, and their presence on my report is concerning. I request they be reviewed and, if found to be fraudulent, removed promptly. Supporting evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I noticed a decrease of {$22000.00} in my Bank of America checking account. I immediately reported this to Bank of America and I was informed that an individual named XXXX XXXX made themselves coowner of my account earlier that day and moved {$22000.00} from my checking account into my savings account and from there into a separate account that is not mine. I do not know an individual named XXXX XXXX. The bank suggested I was hacked and that my devices were compromised, which was not true. My devices are safe. And because my devices are safe, I suspect Bank of America was hacked or compromised in some way. 
It is now XX/XX/year> and I can not pay my credit card bill due to a lack of funds. I continue to follow up with Bank of America and they tell me there's no update, and that I should look for another financial means to pay off my credit card. 
I understand there are processes in place, but they are keeping me in the dark and not allowing me access to any 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint with full certainty and deep frustration. My credit report contains multiple errors that have seriously affected both my credit score and my ability to move toward financial stability. These inaccuracies have gone unaddressed for far too long and are now disrupting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
OVER THE COURSE OF A YEAR, WE HAD FRAUD ON OUR CITI BANK CREDIT CARD. CITIBANK ISSUED OVER 18 CREDIT CARDS AND CONTINUED TO ISSUE THEM TO THE FRAUDSTER. CITI BANK HAS BEEN INCREDIBLY NEGLIGENT AND HAS DONE NOTHING TO CORRECT OUR CREDIT REPORT AND OUR CREDIT SCORE IS LOW BECAUSE OF THIS AND THIS ONLY. I ESTIMATE OVER {$80000.00} IN FRAUD CHARGES AND CITI BANK WAS FEEDING THE THIEF. THEY DO NOT CARE ABOUT ME AS A CUSTOMER AND CLEARLY HAVE A DEFECT IN THEIR FRAUD DEPARTMENT.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
After unauthorized activity on multiple peer to peer apps ( XXXX, XXXX, cash app, XXXX, etc ) was determined and after full access was restored. Once restored I tried to use my accounts again, I was able to make XXXX transactions then it was locked/frozen again. When inquiry is made, they say the decision is at a higher level they can't do anything about it. Then they end the call. 

I am just trying to recover from fraud and identity theft and remove the negative remarks from my name. They won't tell me what I need to do, who i can contact, or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-07-15 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Please remove these bankruptcies from my credit report immediately. XXXX Case Number : XXXX XXXX Case Number : XXXX XXXX Case Number : XXXX The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please correct the late payments on the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these bankruptcies from my credit report immediately. XXXX Case Number : XXXX XXXX Case Number : XXXX XXXX Case Number : XXXX The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please correct the late payments on the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-07-15 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX Complaint Type : Incorrect information on credit report Filed by : XXXX XXXX XXXX Date of Certified Dispute : XX/XX/XXXX Description : I disputed an account with XXXX XXXX XXXX via certified mail on XX/XX/XXXX, regarding incorrect and outdated reporting. I have not received any mailed response from XXXX XXXX or their servicer ( XXXX ), yet the account was updated retroactively, showing re-aged payment history. These updates occurred after my dispute and worsen my credit history without proper validation or notice, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623. 

XXXX XXXX shows multiple updates between XX/XX/XXXX and XX/XX/XXXX, with inconsistent payment notations and new derogatory information applied after my formal dispute. This type of retroactive re-aging is deceptive and unlawful under FCRA and furnisher guidelines.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX Complaint Type : Incorrect information on credit report Filed by : XXXX XXXX XXXX Date of Certified Dispute : XX/XX/XXXX Description : I disputed an account with XXXX XXXX XXXX via certified mail on XX/XX/XXXX, regarding incorrect and outdated reporting. I have not received any mailed response from XXXX XXXX or their servicer ( XXXX ), yet the account was updated retroactively, showing re-aged payment history. These updates occurred after my dispute and worsen my credit history without proper validation or notice, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623. 

XXXX XXXX shows multiple updates between XX/XX/XXXX and XX/XX/XXXX, with inconsistent payment notations and new derogatory information applied after my formal dispute. This type of retroactive re-aging is deceptive and unlawful under FCRA and furnisher guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX XXXX XXXX Issue : This account has been reported with late payments that are both inaccurate and unverified. I have not received any proper notices nor documentation about these reported delinquencies. 
Law Violated : Under FCRA 1681s-2 ( a ), furnishers of information are required to provide accurate and complete data. Additionally, under 1681i, consumers have the right to dispute information and have it corrected or deleted.

Statement : These false late payments have drastically damaged my credit score. Ive experienced difficulty obtaining reasonable financing and even faced denial for housing applications due to these reports. 
XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I did not visit any dealership or authorize any dealer to pull my credit using XXXX  XXXX. 
Law Violated : FCRA requires prior consumer authorization for dealer-initiated hard pulls.

Statement : This inquiry may have stemmed from fraudulent prequalification activity or a misused application. I demand immediate investigation and removal. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Another unauthorized inquiry linked to State Employees Credit Union, which I did not initiate or consent to.

Law Violated : FCRA 604 ( a ) ( 3 ) outlines the permissible purposes for accessing credit reports. This inquiry does not fall under any of those permitted reasons. 
Statement : This inquiry, in combination with others, is damaging my credit profile without just cause, reflecting systemic mishandling of consumer data. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

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 2025-07-15 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: TX

Complaint narrative:
To Whom It May Concern, I 'am writing to formally dispute the accuracy of the charged- off account listed on my credit report. The account details are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount : XXXX I am requesting a thorough investigation into this account. I believe this information may be inaccurate, outdated, or unverifiable, and i am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that it be removed Thank You for attention in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Global Lending Services LLC
State: CA

Complaint narrative:
> " I did not authorize this hard inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my explicit permission is considered unauthorized. I am requesting that this inquiry be investigated and permanently removed from my credit file as it was not initiated or approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
> " I did not authorize this hard inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my explicit permission is considered unauthorized. I am requesting that this inquiry be investigated and permanently removed from my credit file as it was not initiated or approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
The inquiries listed are not recognized and seem suspicious in nature. Please take prompt steps to investigate and remove them as necessary. Additional documentation is provided.

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