vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: AR

Complaint narrative:
I live in XXXX  where consumer loan interest is capped at XXXX  % APR under the state constitution. I took out a line of credit with XXXX XXXX, a division of XXXX XXXX XXXX  XXXX The original amount borrowed was approximately {$3500.00} in XX/XX/year>. To date, I have repaid close to {$25000.00} due to extreme interest rates and fees. 

Despite contacting the company to address this, they continue to state I owe a remaining balance of {$3600.00} and have threatened credit reporting. I believe this loan violates XXXX usury laws and should be void beyond the principal repaid. 

I submitted a written revocation of ACH payment authorization, which was acknowledged. I have repeatedly asked for the remaining balance to be cleared and the account closed in good standing, but they have not responded substantively. 

I request that the CFPB review this matter, require the company to zero out the remaining balance, stop all collection efforts, and confirm the account is closed without negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I am writing to formally dispute and demand the removal of fraudulent accounts and inquiries that have been reported on my credit file as a result of identity theft. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that consumer reporting agencies block and remove all information resulting from identity theft upon proper notification. 

I have enclosed my FTC Identity Theft Report ( FTC Report # XXXX ), a copy of my government-issued ID, and supporting documentation detailing the unauthorized accounts and inquiries. 



Fraudulent Accounts and Inquiries : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} Monthly Payment : {$370.00} I did not authorize or apply for this loan. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported Balance : {$11000.00} Opened : XX/XX/XXXX This account was fraudulently opened in my name. 
XXXX. XXXX XXXX Hard Inquiries : XX/XX/XXXX and XX/XX/XXXX Account Opened : XX/XX/XXXX I did not authorize any of these credit pulls or the account. 
XXXX. XXXX / XXXX XXXX Inquiries Date : XX/XX/XXXX Both inquiries were unauthorized. 



Legal Basis for Dispute and Demands : Under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required to block and remove all information that I identify as a result of identity theft within four ( 4 ) business days.

15 U.S.C. 6802 ( GLBA ) mandates the safeguarding of my nonpublic personal information and prohibits the unlawful dissemination and use of my data. 
15 U.S.C. 1681i obligates you to conduct a reasonable investigation and delete any unverifiable or inaccurate information.

Under UCC 1-308, I explicitly reserve all rights without prejudice to dispute and remedy any unlawful reporting or processing of my data.

I am also asserting my rights under 15 U.S.C. 1692c ( c ) to demand that all communications regarding fraudulent debts cease immediately. This includes any collection efforts from any party reporting or inquiring based on this fraud.

Requested Actions : 1. Block and permanently remove all fraudulent accounts and inquiries listed above from my credit file.

2. Reissue a corrected credit report to me at the address above.

3. Provide written confirmation that these records have been deleted and are no longer impacting my credit.

4. Cease any further sharing of the disputed information with third parties, including lenders or collectors.

This letter is written under penalty of perjury, and all supporting documents prove the accounts and inquiries are the result of identity theft. Failure to act promptly and lawfully will constitute a violation of federal law and subject your agency to penalties under the FCRA and other statutes. 



Sincerely, XXXX XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
I reviewed my Experian credit report on XX/XX/2025, and was alarmed to find several entries that are inaccurate, incomplete, or not authorized by me. The following accounts are in question : XXXX XXXX XXXX  Account # XXXX Family Support DIV Sacra Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries violate my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

As outlined by the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Under 15 USC 1681i ( 5 ), any item found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified based on the results of the reinvestigation. 

15 USC 1681s-2 prohibits data furnishers from reporting any information they knowor have reason to believeis inaccurate. 

I am formally requesting that you immediately delete all unauthorized and fraudulent accounts listed above from my credit report. These items are harmful to my credit and are reported in direct violation of federal law. 

Please provide written confirmation once these corrections have been made. I expect resolution within the timeframe mandated by the FCRA and appreciate your prompt attention to this matter. 

Sincerely, 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 2025-07-20 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: IL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for knowingly permitting the inaccurate, materially misleading, and noncompliant reporting of a paid XXXX XXXX XXXX account on my credit file.

Although the account was a resolved debt collection, Equifax is reporting it as a closed account with a {$0.00} balancea classification reserved for satisfied trade lines in good standing, not derogatory collection accounts.

This is not a data entry error. It is a systemic misrepresentation that violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data standards, and it is causing ongoing damage to my credit profile.

Legal and Procedural Violations 1. FCRA 605 ( a ) ( 4 ) Collection accounts must be removed 7 years from the Date of First Delinquency ( DOFD ).

Equifax is improperly allowing this tradeline to remain based on a fabricated 10-year timeline tied to its closed account mislabeling. This is unlawful.

2. FCRA 1681e ( b ) Equifax is required to maintain credit files with maximum possible accuracy. Reporting a collection as a closed trade line materially distorts its nature, impact, and lifespan.

3. FCRA 611 By accepting and maintaining a misclassified account, Equifax blocks standard online dispute options, effectively denying me my statutory right to initiate a consumer dispute. This is a functional access barrier, not a technical glitch.

4. Metro 2 Noncompliance Equifax is knowingly accepting a tradeline that is : Reported in the wrong data segment ( Account Segment instead of Collection Segment ) Missing proper coding for account type, collection status, and DOFD Structurally noncompliant with the CRRG ( Credit Reporting Resource Guide ) This is not a passive failure. It is active facilitation of misreporting by a known debt buyer ( XXXX  ), who profits from prolonging derogatory marks. Equifaxs continued transmission of this data constitutes willful or at minimum reckless disregard of FCRA standards.

Direct Harm Because of this misrepresentation : I was offered higher interest rates on recent loan terms My credit score remains suppressed, even after the debt was paid I was blocked from filing a dispute online, which functionally denied me due process The reporting timeline is illegally extended beyond statutory limits I experienced emotional distress and reputational damage, all due to willfully retained false data This tradeline no longer serves any legal, contractual, or reporting purpose. There is no legitimate business interest in retaining a falsely-coded, derogatory collection account years beyond its legal reporting limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am reporting a fraudulent Bank of America credit card account that is appearing on my credit report. This account was not opened or authorized by me, and I have never had a legitimate financial relationship with Bank of America in connection to the listed tradeline. 

The account shows the following details : Creditor Name : Bank of America Date Opened : XX/XX/XXXX Reported Status : Charged off {$830.00} written off Balance : {$830.00} Status Updated : XX/XX/XXXX This account is the direct result of identity theft and is inaccurately being reported on my XXXX  credit file. I have never activated or used any account with this creditor and did not authorize this line of credit. I only became aware of this account while reviewing my credit report in XXXX. 

I have taken the following steps : Filed a signed identity theft affidavit Submitted a police report/identity theft report Provided proof of identity and address Submitted a formal dispute to XXXX  under FCRA 605B and 611 Despite submitting the required documentation, the tradeline has not been removed, and Bank of America has not provided any evidence showing this account was authorized by me. As required by the Fair Credit Reporting Act, XXXX  must block the tradeline within four business days under FCRA 605B, and Bank of America must cease reporting unverifiable information.

This is not just a credit issueit is a clear-cut case of identity theft and statutory noncompliance. Bank of America is in violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking requirements FCRA 623 ( a ) ( 6 ) Duty to delete or update inaccurate data FCRA 623 ( b ) Duties of furnishers upon notice of dispute FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with knowledge of errors I am also requesting a full reinvestigation under : FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputed 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 2025-07-20 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: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found an item reporting inaccurately. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If the disputed item is found to be inaccurate or can not be verified, the credit bureau must promptly delete it from the consumers file. 

This account is being reported by a debt collector and marked as placed for collection, but I do not recall receiving proper validation of the debt or being notified within 5 days of the initial communication as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this item be investigated and either properly verified with full documentation or removed from my credit report immediately. If this debt can not be 100 % validatedincluding proof of contract, itemized breakdown, and chain of assignmentthen it must be deleted per FCRA guidelines. 

Account Details : Name : XXXX XXXX Creditor : XXXX XXXX XXXX Balance : {$210.00} Status : Open Placed for Collection Opened Date : XX/XX/year> Last Reported : XX/XX/year> Responsibility : Individual Remarks : Placed for collection

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 2025-07-20 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: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found an item reporting inaccurately. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If the disputed item is found to be inaccurate or can not be verified, the credit bureau must promptly delete it from the consumers file. 

This account is being reported by a debt collector and marked as placed for collection, but I do not recall receiving proper validation of the debt or being notified within 5 days of the initial communication as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this item be investigated and either properly verified with full documentation or removed from my credit report immediately. If this debt can not be 100 % validatedincluding proof of contract, itemized breakdown, and chain of assignmentthen it must be deleted per FCRA guidelines. 

Account Details : Name : XXXX XXXX Creditor : XXXX XXXX XXXX Balance : {$210.00} Status : Open Placed for Collection Opened Date : XX/XX/year> Last Reported : XX/XX/year> Responsibility : Individual Remarks : Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am disputing the credit reporting practices of Bank of America related to a charged-off credit card account appearing on my credit report. The account is listed with a balance of {$830.00}, marked as charged-off, and last updated as recently as XX/XX/year>2025. 

I have formally disputed this account as fraudulent, and I have submitted proper documentation including : An identity theft affidavit A valid ID Proof of residence A written dispute letter Despite these steps, Bank of America continues to report this account to the credit bureaus without providing any documentation, contract, or validation to prove that the account was ever opened or authorized by me. 

This violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( 15 U.S.C. XXXX ) Requiring a furnisher to block information resulting from identity theft within XXXX business days of receipt of documentation FCRA XXXX ( 15 U.S.C. XXXXi ) Requiring reinvestigation of disputed information FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibiting the reporting of information known to be inaccurate There is no payment history, no itemized balance breakdown, no signed agreement, and no proof that I authorized or consented to the account. Yet Bank of America continues to update and furnish this tradeline to XXXX and potentially other bureaus. 

This is not just inaccurate ; it is reckless, negligent, and damaging to my credit profile.

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 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I had 3 accounts with a total {$5900.00}. Chime sent mea message telling me that my direct deposit hit my bank account. They call me to tell me what transaction have happened. They all were from. They then send me a message telling me that I have XXXX in my checking and XXXX in my savings. I call them right back and they begin to start giving apologetic words but refused to tell me who did it because they believe it is me. I tell them that they decline my transaction when there isn't enough money in one account. But you let a {$5.00}, XXXX dollar transaction roll right through. They told me to dispute to the transaction and they were so sorry. I did that 5 times in 2 weeks and they denied it right after I disputed. They finally told me where the transaction happen. It was a company called XXXX. Reached out to them. They refused to give me a name just the the purchased was made in California and the were sorry about this happening to me.They closed my account but some how magically it appeared back open once I called them. I had to close my account again and change my direct deposit. I knew it was some how going to happen again. I called them back to try and to dispute again. They told me that it was out of there hands because I closed my accounts. My XXXX account was hack and changed to Chime-Chime. They also hacked my XXXX XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
My loan servicer is XXXX. I applied for XXXX XXXX in XX/XX/XXXX just before SAVE plan injunction and have not been placed in a repayment plan. On department of XXXX website XXXX XXXX XXXX XXXX XXXX it says I should be in a general forbearance where interest does not accrue ( and does not count for XXXX ). I have had difficulty convincing XXXX to place me in a general forbearance, which they have since corrected. However, there was a number of months where I was not in the general forbearance and interest was accruing incorrectly. I called XXXX student aid who said XXXX needs to adjust the interest. I call XXXX and they say federal student aid needs to manually adjust my accrued interest. I am not sure who is correct, I would just like to get interest that has been accruing incorrectly to be forgiven. I have called XXXX multiples times over the past 12 months regarding this issues ( XXXX times at least ). I feel I can not make student loan payments on XX/XX/XXXX when XXXX begins accruing as payments, new interest and old interest will all mix and it will be difficult to ascertain how much interest needs to be forgiven. There is still {$4900.00} in accrued interest that needs to be forgiven. I have downloaded PDFs time stamped today XX/XX/XXXX with the up to date amounts. I can provide additional documents and information if needed.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am reporting unauthorized mobile wallet activity tied to Bank of America that appears to be part of a larger fraud or scam involving the misuse of my personal information. 

I recently discovered that a Bank of America credit cardwhich I never authorized or openedwas used or linked through a mobile wallet or digital payment service ( e.g., XXXX XXXX, XXXX XXXX, or XXXX ) without my knowledge. This raises serious concerns that my information was used in connection with a coordinated fraud or identity theft scheme, potentially involving account fabrication and digital wallet abuse. 

This appears to be a synthetic identity fraud or misuse of tokenized card credentials, where someone opened or synced a credit card under my name into a mobile wallet without consent. 

I never received : Any agreement from Bank of America about opening or using this account Any notification of digital enrollment in a mobile payment service Any physical card or access credentials Yet the account is listed on my credit report and reflects activity that could not have come from me. 

This raises compliance concerns under : FCRA 605B Identity Theft Blocking FCRA 623 Furnisher Duty of Accuracy EFTA Regulation E Unauthorized Electronic Transfers GLBA ( Gramm-Leach-Bliley Act ) Data security failures It is Bank of Americas responsibility to ensure that fraudulent accounts are not created or used under false identity profiles, especially in cases involving digital onboarding through mobile or online services.

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 2025-07-20 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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