vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} FST PREMIE - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I placed orders for products that I never received. The company TCGdistrict would take my orders, create a shipping label, and never ship anything out. Please help, Bank of America disputes is the worst team out there and I have had several issues with them. They are denying my claim due to not meeting the window of claim time yet they stated their policy was XXXX  months which Im well within that time frame. I am stuck between the worst bank out there and a fraudulent company and Im not sure which way to look for help. 

XX/XX/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

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 2025-10-08 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. 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. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! 

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 proofofmyidentity, 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 2025-10-08 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. 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. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! 

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 proofofmyidentity, 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 2025-10-08 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:
XXXX XXXX  Social Security Number: XXXX, Date of BirthXXXX XXXX Contents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, EQUIFAX 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.\nThis fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX under the account number XXXX XXXX XXXX XXXX  a XXXX XXXX XXXX  Personal credit card opened on XXXX  under the account number XXXX XXXX XXXX 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. I have also attached a copy of my Social Security, my current drivers license and a proof of residence 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2025, I opened a XXXX account to accept payment from a buyer. The scammer told me that the buyer had to deposit another {$500.00} ( for security ) because the buyers account hadn't been vetted by XXXX. The XXXX caller gave his name as XXXX XXXX, a representative of XXXX. I asked how I could get the {$500.00} back to the buyer -- write her a check? XXXX said " No, I'm telling you how to do this now, so press where I have circled on your phone ( which displayed SHARE ). He said since her transaction was with XXXX, the money needed to be returned by XXXX, so I believed this was legitimate. XXXX proceeded to request my Truist and XXXX XXXX debit card numbers. I do not use debit cards and I did not give him that information. Next, he attempted to access money through XXXX XXXX and XXXX XXXX accounts. I asked him several times why he needed MY information, and he said it was part of the vetting. He talked over me and suggested I open a XXXX account. After telling him I was not going to buy XXXX, he still suggested I go to a nearby convenience store and use the store 's Bitcoin ATM. I asked for his supervisor 's name ( who " wasn't there '' ) ; I told him I was hanging up and would report this conversation to authorities. 
I still received several calls over the next several days from the original phone number, however I did not accept the calls. Since I didn't realize until late Friday evening that {$800.00} had been taken from my Truist checking account using XXXX information, I had to wait until the beginning of the following week to report the fraud. 
I did receive XXXX text messages from Truist on XXXX : XXXX am stating that a XXXX payment was on hold : XXXX confirming money was sent with XXXX. As I was outside mowing, and did not hear these alerts, it was later in the day when I discovered that the money had been sent. 

Truist and XXXX responded to my request to intervene, however they declined. I discovered later that XXXX is involved in several class lawsuits ( XXXX in New York ), for not protecting its customers.

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 2025-10-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Disputed collections reported by XXXX XXXX XXXX for {$6300.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not acknowledge this debt and requested that Experian and Transunion verify its accuracy and completeness as required under the Fair Credit Reporting Act. However both agencies have claimed to completed their investigation but have provided no proof of accuracy.

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 2025-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-10-08 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:
On XX/XX/year>, I mailed a dispute letter to Experian challenging the completeness and accuracy of certain accounts on my credit report. On XX/XX/year>, Experian issued a response stating they received my dispute but refused to process it, claiming it may not have been authorized by me. I do not understand why they would make this assumption, as I am personally working to correct my credit and these inaccuracies are directly impacting my ability to obtain credit. I am formally demanding that Experian fulfill its legal obligation by conducting a proper investigation into the disputed accounts.

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 2025-10-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/2018, Balance : {$4100.00}

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 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I dispute the balloon/deferred interest payment of {$27000.00} added to the end of my mortgage. On XXXX I contacted the mortgage company after my XXXX payment of {$1900.00} was rejected due to the principal amount being less than the payment. The company advised that there is a balloon payment due as above with the remaining principal amount of XXXX, which must be paid by the maturation date of XXXX by certified check/wire transfer. The XXXX payment was taken from my bank funds and noted but not applied to the account. The website shows the payment as late with a negative balance due. The company is charging fees for nonpayment on XXXX. I disputed this amount and the process. The company responded by giving an accounting of payments. This appears to allege that the amount is deferred interest noting as a balloon payment. The documents received alleged that the balloon payment is deferred interest amount that was calculated due to the payments not being made on the 30th of every month. They also allege that the amount is advances made during a period of non payment prior to the bankruptcy. In review I found that the company held payments made prior to the 30th to the 30th of every month. There is also a fee noted for each payment received prior to or after the 30th. This noted debt/balloon payment appears to be a prepayment penalty. The original contract alleges that there are no prepayment penalties. On XXXX I filed XXXX  XXXX bankruptcy, and the debt/balloon payment was not included as a debt. The bankruptcy noted and fees/advances of what is owed to the company in addition to the principal in excess of XXXX XXXXXXXX. On XXXX, the bankruptcy was discharged. I paid payments of XXXX up and until the company refused direct payment. The alleged lender paid expenses were paid in the bankruptcy and should not be added as a balloon payment on the end of the loan. This amount is not a part of the original contracted mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
My credit report is in accurate each has the wrong information an wrong dates an I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for illegally and inaccurately reporting a XXXX XXXX XXXX auto loan ( account ending in XXXX ) as a charge-off. I am demanding the immediate and permanent deletion of this account from all three credit reports. 

This tradeline is completely false, unverifiable, and damaging to my credit reputation. None of the credit bureaus have produced verifiable evidence proving that this account belongs to me. Continuing to report it violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The bureaus are in violation of 15 U.S.C. 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy. Relying on the furnishers word without documentation or independent verification is not compliance. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that credit reporting agencies can not rely blindly on furnishers when a consumer disputes the accuracy of 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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX Social Security Number : SS XXXX XXXX XXXXXXXX - Date of Birth : Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response. 
Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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