vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts with inaccurate, inconsistent, or potentially fraudulent information. One account in particularreported by XXXX XXXX XXXX XXXX to be a fraudulent auto loan that I never authorized or opened. According to my FTC Identity Theft Report, the account began in XX/XX/XXXX, but I discovered it in XX/XX/XXXX, which means this issue has existed for a long time without proper resolution. 

In addition to this account, there are other accounts on my credit report with conflicting data across the three credit bureaus ( TransUnion, XXXX, and Equifax ). These discrepancies include inconsistent opening dates, account types, payment histories, and creditor names. Some accounts are even missing from certain bureaus entirely, which violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requiring all information to be accurate and consistent and Section 611, which gives me the right to dispute and have unverifiable information deleted. 

Ive submitted disputes directly to the credit bureaus and requested they delete or correct all inaccurate, unverifiable, or incomplete information. I am now requesting the CFPBs assistance in enforcing these rights under the FCRA and holding the credit bureaus accountable for timely and complete investigations. Please help ensure all inaccurate data and false accounts especially the XXXX XXXX XXXX XXXX XXXX loan are permanently removed from my credit report. 

This is negatively affecting my ability to obtain credit and causing significant financial harm. Thank you.

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 2025-05-07 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint to bring to your attention numerous violations, deceptive practices, and procedural misconduct by Bank of America and its collections law firm, XXXX XXXX XXXX, XXXX. 

On XX/XX/year>, Bank of America filed two separate lawsuits against me ( XXXX XXXX. XXXX and XXXX ) in XXXX XXXX XXXX Texas. At no point did Bank of America or its representatives notify me that legal action was being initiated. I was not served with either lawsuit and was not informed that I was a defendant in any legal proceeding. I only discovered the lawsuits after third-party attorneys unrelated to the Plaintiff began contacting me, prompting me to investigate court records on my own. According to XXXX XXXX XXXX records ; the citation requests were made to XXXX XXXX on XX/XX/year>, but I was never served, and I only became aware of the lawsuits when I began receiving unsolicited calls and emails from third-party attorneys offering to represent me. I immediately searched the court system and discovered the lawsuits myself. 

This is a clear violation of due process, as I was denied my legal right to be properly notified or served with the lawsuits. Had I not independently investigated, I would not have known these cases even existed, which could have resulted in default judgments being entered against me. 

Additionally, the address listed for the Plaintiff, Bank of America, on both lawsuits is a XXXX XXXX XXXX in XXXX, Texas, which I have since learned is actually the address of XXXX XXXX XXXXXXXX XXXX, the debt collection law firmnot the Plaintiff. This is deceptive and misleads the court and the consumer, creating confusion regarding the true party in interest. 

Bank of America, through its agents, failed to provide : Proper debt validation, including a signed credit agreement and full account statements ; Proof that the debt was legally collectible or properly assigned ; Honest and ethical disclosures regarding their representation. 

I am demanding full dismissal and deletion of these accounts from my credit reportnot only because of the lack of debt validation, but because of the deliberate efforts to avoid properly notifying me, misrepresenting the Plaintiffs contact information, and attempting to bully me into court without following required procedures. 

These actions are unfair, deceptive, and abusive, and clearly violate the Fair Debt Collection Practices Act ( FDCPA ), Texas Deceptive Trade Practices Act ( DTPA ), and potentially state bar ethical rules regarding attorney conduct.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need my personal information to be corrected and updated immediately. I have included supporting documents to assist with this process, and I urge you to take action on this request as quickly as possible.

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 2025-05-07 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/year> my fianc and I arrived in XXXX in order to take our XXXX year-old daughter to XXXX childrens XXXX start XXXX infusions that day we stayed at a motel in the city. Our car was broken into my wallet was stolen along with my cell phone and luggage. I had to get a replacement phone and wait on it. In the meantime our focus was primarily on XXXX and making sure she was comfortable and taking care of her when I was first able to do so I think it was Monday. I called and filed a dispute. Total charges came to well over {$14000.00}. They completely wiped out our account all with online transactions that we did not make or were aware of our initial dispute was denied said that there was inconsistencies in the information that we gave I later found out that the date of the theft that they had was XX/XX/XXXX which was incorrect. It was actually XX/XX/XXXX. I called and tried to get that squared away. I also sent emails. They said the dispute is still open however XXXX worried that theyre gon na deny it again. My family needs that money desperately were currently stuck at the hospital in XXXX because we have no money to get home. All my credit cards were taken. None of the replacements have came. I went to the branch today at Huntington bank thinking I would get The Provisional credit to where we would have money to get home however I was handed a letter saying my account was closed and I basically had to start over from scratch today with the dispute. I need any and all help I can get with this matter. I dont know what to do emotionally. XXXX at the end of my rope. Im freaking out XX/XX/XXXX XXXX $ same merchant there was a total of XXXX transactions on XX/XX/XXXX the next one was for XXXX {$400.00} {$500.00} {$500.00} {$500.00} {$500.00} {$500.00} {$500.00} {$600.00} {$500.00} {$300.00} on XX/XX/XXXX there was a charge for XXXXXXXX XXXX for {$63.00} then on XX/XX/XXXX but XXXX again {$500.00} {$500.00} {$500.00} {$500.00} {$500.00} {$500.00} XXXX third XXXX $ and then again with XX/XX/XXXX XXXX $ {$500.00} {$500.00} {$500.00} {$500.00} {$500.00} and {$500.00} total came up to {$14000.00} and some change Again the case number for this is XXXX and thats with Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I requested validation of an alleged debt several times from NCB Management Services, exercising my rights under Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite allowing a 30-day grace period twice for compliance, NCB Management Services failed to fulfill its legal obligation to provide validation of the alleged debt. 
On XX/XX/XXXX, I sent a cease-and-desist letter to NCB Management Services, refusing to pay the alleged debt. In this communication, I highlighted violations of federal laws, including the Fair Credit Reporting Act ( 15 U.S. Code 1681q ) and the Identity Theft and Deterrence Act ( 18 U.S. Code 1028A ), due to their unauthorized use of my private information and furnishing false reports to major credit reporting agencies.

I received a letter from NCB Management Services dated XXXX XXXX. 
This communication did not provide validation of the alleged debt as required by FDCPA but merely verified personal information and details of the original creditor. 
This response is insufficient and does not meet the legal requirements for debt validation. 
On XX/XX/XXXX, I reported NCB Management Services to the Federal Trade Commission ( FTC ) for identity theft on XX/XX/XXXX. Their failure to validate the alleged debt constitutes a violation of FDCPA Section 1692g and may also violate other federal laws, including 15 U.S. Code 1681q and 18 U.S. Code 1028A.I wish to emphasize that I have never contracted with NCB Management Services for any reason, nor have I engaged with them for loan products or other financial services. Furthermore they are also in violation of TILA for not providing full disclosures in regards to an alleged debt contract.

Request for Action : I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to investigate NCB Management Services actions and hold them accountable for their non-compliance with federal consumer protection laws, and hold NCB accountable for furnishing derogatory information in all major CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting incorrect and outdated versions of my name, including " XXXX XXXX XXXX, '' " XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX XXXX as well as outdated address information like XXXX XXXX XXXX XXXX XXXX CA XXXX. This information is outdated, incorrect, and has no place in my current credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed that the personal information listed is inaccurate. Specifically, there are variations of my name and previous addresses that do not match my current legal information. This incorrect data may negatively affect my credit history and cause issues with future verifications.

I submitted a request to correct these errors, clearly stating my full legal name and current residential address. I also provided supporting documentation to verify my identity and residence. However, I have not yet received confirmation that the corrections have been made.

Therefore, I am requesting that all inaccurate personal information be removed and that my records be updated with the correct information I have provided, to ensure the accuracy of my credit report.

Please note that I have attached a PDF file containing all relevant information and documentation to support my request.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed that the personal information listed is inaccurate. Specifically, there are variations of my name and previous addresses that do not match my current legal information. This incorrect data may negatively affect my credit history and cause issues with future verifications.

I submitted a request to correct these errors, clearly stating my full legal name and current residential address. I also provided supporting documentation to verify my identity and residence. However, I have not yet received confirmation that the corrections have been made.

Therefore, I am requesting that all inaccurate personal information be removed and that my records be updated with the correct information I have provided, to ensure the accuracy of my credit report.

Please note that I have attached a PDF file containing all relevant information and documentation to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed that the personal information listed is inaccurate. Specifically, there are variations of my name and previous addresses that do not match my current legal information. This incorrect data may negatively affect my credit history and cause issues with future verifications.

I submitted a request to correct these errors, clearly stating my full legal name and current residential address. I also provided supporting documentation to verify my identity and residence. However, I have not yet received confirmation that the corrections have been made.

Therefore, I am requesting that all inaccurate personal information be removed and that my records be updated with the correct information I have provided, to ensure the accuracy of my credit report.

Please note that I have attached a PDF file containing all relevant information and documentation to support my request.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I used Cash App to send a transaction for a product. I usually get this product with 5 to 7 days. After 3 weeks, I reached out the owner and she explained to me she would reach out once she mailed the product. Cash App has refused to refund the money after I provided proof that I have not received the product. I have asked about their policy when it comes to refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A Block on the Merchant XXXX was placed XX/XX/XXXX then why is the card being charged by same merchant XXXX on XX/XX/XXXX? The American Express XXXX XXXX company is saying the BLOCK means nothing and Merchant can still keep charging. It is an unauthorized charge in amount of {$520.00}. 

Talked to American Express XXXX XXXX XXXX ( declined to give ), and XXXX XXXX XXXX American Express should compensate with me around {$95.00} for lost opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase closed my account without my consent. Chase app didnt show the status of the credit card appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-05-07 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: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the 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