vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One had made a payment arrangement with me in XX/XX/year> approximately due to financial hardship lost of employment and my mothers passing. 

they agreed to a arrangement approximately XXXX I was making payment and they closed my account without my knowledge I was frustrated and blindside by them. I called that's how found out they told me they will fix the problem and told me not to worry continue making payment. 

then approximately XXXX I noticed my score got lower and I was struggling make payment I calle d again and they informed me I was sent to collections.

now this is a violation to my rights I was mislead and told one thing and they closed account and sent to collections and I was never sent any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi! 

On XX/XX/XXXX at XXXX XXXX  ( XXXX XXXX ) I made a {$500.00} transaction from XXXX XXXX XXXX  ( located in XXXX ) to BoA Bank. I used the XXXX XXXX method, which means the money should arrive instantly to the recipient account. The sending bank confirmed that there was no problem on their side and the money was sent as normal ( I also have a confirmation receipt stating that the transaction was successful ). But today is Wednesday, XX/XX/XXXX, and I still don't see the money in my BoA account. The BoA financial center and their hotline couldn't help 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 explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 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 requesting the immediate deletion and permanent blocking of the following fraudulent account and unauthorized inquiries from my credit report : XXXX XXXX XXXX  Account # : XXXX ( fraudulent account ) ONEMAIN Inquiry Date : XX/XX/XXXX ( unauthorized hard inquiry ) XXXX XXXX Inquiry Date : XX/XX/XXXX ( unauthorized hard inquiry ) These entries are the result of identity theft. I have already submitted all legally required documentation to support my claim, including : A valid government-issued photo ID My Social Security card Proof of current address An official FTC Identity Theft Report Per the FCRA ( 15 U.S.C. 1681c2 ), the credit bureau must block identity theft-related data within XXXX business days of receiving proper documentation. Additionally, under 1681b ( c ) and 1681i ( a ), the bureau is required to verify and remove unverified or unauthorized entries from my report. 

I respectfully demand that the credit bureau : Permanently delete the fraudulent account and unauthorized inquiries listed above Block all identity theft-related information from reappearing on my file Provide written confirmation that these deletions and blocks have been processed Send a corrected and updated copy of my credit report within XXXX business days Failure to comply will result in formal complaints filed with the CFPB, FTC, XXXX, and State Attorney General 's Offices. I also reserve my right to pursue legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, plus legal fees and actual damages. 

This is not an optional or discretionary request it is a legal obligation under federal law. I expect timely action and full resolution 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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed an XXXX XXXX account reported by Experian that is inaccurate and potentially unverifiable. The account was reported as charged off with a balance of {$4700.00}, even though the original credit limit was only {$4200.00}. This suggests over-limit fees, interest, or penalties that may not be legally or contractually valid. The account also shows a past-due balance of {$1000.00} even after the charge-off, which may result in double reporting.

I submitted a formal dispute through Experians platform, citing that the balance was inaccurate and potentially unverifiable under the Fair Credit Reporting Act ( FCRA ). In response, Experian provided a generic explanation about delays in creditor updates and made no changes to the account. They did not conduct a meaningful reinvestigation or provide any documentation from XXXX XXXX to validate the balance, breakdown of charges, or original signed agreement. 
This is a violation of : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to properly investigate disputed information FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( b ) Furnisher failed to conduct a reasonable investigation I believe the account is being reported with inaccurate and unverifiable information. If Experian and/or XXXX XXXX can not fully validate the debt and correct all inaccurate elements, the account must be permanently deleted as required by law. 

I am requesting that this item be deleted from my credit report due to noncompliance with FCRA requirements and failure to validate the disputed data within the legal timeframe.

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 2025-07-31 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I pulled up my credit report and noticed that there was a debit collection on my report which was not there before because I check my credit report atleast 3x a week or even more and plus I have had the same phone company for the past 5 years and it was not XXXX thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX BALANCED {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX$210.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$700.00} XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX BALANCED {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX$210.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$700.00} XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/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 2025-07-31 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EdFinancial Services
State: PA

Complaint narrative:
My account number is XXXX. I enrolled in college in XXXX of XXXX and COVID happened around XX/XX/XXXX which sent all students home and I never returned nor went online for classes. Also, according to 15 USC 1692, this collection agency violated my rights by failing to provide proper validation of the debt. I demand its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
CFPB Complaint Statement Violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/year>XXXX  Last 4 SSN : XXXX Summary of Complaint I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to maintain accurate credit reporting data and to respond appropriately to a legally valid dispute submitted under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I identified several inaccurate or unverifiable items related to both personal identifying information and tradelines. I submitted a proper dispute request, along with my identification and supporting documentation, but the bureaus have failed to comply with their obligations under federal law. 

Issues Reported Incorrect Personal Information : Inaccurate Employer : XXXX  Inaccurate Employer : XXXXXXXX XXXX XXXX Inaccurate or Unverifiable Accounts : Collection XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA The credit bureaus failed to comply with the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request 15 U.S.C. 1681g : Failure to provide full consumer file disclosure upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-31 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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