vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a XXXX transaction and was scammed and robbed, I understand it wasnt ethical but I wasnt aware, I tried to make a deal with a private seller that I was fowarded to by someone I know or thought I could trust for that reason. then when the meet up happened for the purchase, I XXXX, the driver sped off and his backseat passanger aimed a XXXX at me to not attempt to pursue. I had lost {$450.00} and Im with Bank of America. I also reported these people

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX ( XXXX ACCOUNT - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit https : XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. XXXX XXXX XXXX XXXXXXXX Reply STOP to opt out. 

This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im file for all three company Experian, Equifax and transunion for many things that are on my account and need to be deleted first law you broke is 15 usc 1681, 15 usc 1692 why I looking at any thing on my Experian and Equifax both are freeze account since 2022 why are my credit score are going down and I should not be seeing hard inquiries on my credit report these are unauthorized, unverifiable, and please show me proof I did this

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 2025-06-25 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:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am disputing the following accounts and inquiries, which are not mine and were opened or reported without my knowledge or authorization : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine. I have not applied for, used, or given anyone permission to open or operate these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I formally request the immediate blocking and deletion of all fraudulent items listed above from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification for each of the disputed accounts. You are required to provide valid, documented evidence that I authorized these accounts, such as a signed application or contract. If no such documentation exists, you are legally obligated to remove these accounts from my credit file.

Compensation for False Verification : Be advised that under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my formal dispute and supporting evidence of identity theft, I am entitled to seek statutory damages of {$1000.00} per violation, in addition to attorney fees and punitive damages. 

Supporting Documentation : The following documents are included with this dispute to validate my identity and my claim : A copy of my identity theft police report A copy of my government-issued photo ID Proof of current address ( e.g., utility bill or bank statement ) Requested Actions : I am requesting the following actions under my rights as outlined in the FCRA : Immediate removal of all fraudulent accounts and hard inquiries listed above Full verification of each disputed debt, including legally valid documentation Written confirmation of the deletion of all fraudulent items Proof that each data furnisher has been notified and instructed to stop reporting unverifiable data An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my requests have been fulfilled. Please be advised that failure to comply with FCRA obligations may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential civil legal action.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>XXXX  Chase Bank has shut down my account and refuses to give me a reason why. Chase keeps playing " customer volleyball '' with me. When I call customer service and the phone number on my mobile banking when they advise me they can not do anything and that I go into a store to talk to a banker and when I go into the store the bankers tell me to call customer service as their hands are tied. I was able to get my money out of my checking account but my issue now is that I have 2 credit cards with Chase and I'm unable to make payments or even access my account and multiple reps have said Chase has closed both credit cards... This was not approved by me and nervous this will damage me and my credit. I'm beside myself and do not know what to do. I would like to state that Chase refuses to tell me why they shut me down and treat me as if i'm a criminal doing something shady and I have not done such. I am a normal guy working my 9-5 never do anything fraudulent nor out of the 15+/- years i've been with Chase have not been pass due on payments nor over drafted my account. I am not able to upload the reason why they shut me down as I am completely locked out of my mobile banking app as well as my online profile with Chase. I'm at a loss...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXXThe company does not give you an option to make additional payments towards interest only, which is an entrapment to pay on this bill foreverXXXXPaid XXXX XXXX, minimum pymt is XXXX, no option to apply additional money to the principalXXXXSame on XXXX Paid XXXX no option to apply additional money to the principal.XXXXMy loan started XXXX with a balance of XXXX and no missed payments, my pay off balance as of XXXX was XXXX. This is not realistic or ideal that Ive only decreased my balance by XXXX. This company should not be in business after all the reviews Ive read. They are blindsiding the consumers for XXXX  systems.'

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While reviewing my credit report, there is and inquiry showing that an alleged debt ( {$10000.00} to XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX  acct # XXXX was closed and paid in full. This transaction shows that this alleged debt was transferred to a third party that I have no knowledge of who these people are. My personal information : Name, Social Security Number, Address, etc. was sold to a third-party debt collector with no contractual agreement. Experian supported this transaction and posted it to my credit report without a full investigation as they stated. There is another transaction for {$470.00} ACCT # XXXX ) to XXXX that shows closed, charged off and written off that they refused to remove block and delete the transaction. Experian did not provide supporting documents like 1099 cancellation of debt, no contractual agreement between XXXX XXXX and XXXX XXXX. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 
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 2025-06-25 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: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-25 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:
I submitted a dispute to Experian on XX/XX/year> regarding a XXXX XXXX account that I believe to be inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), Experian had 30 days to investigate and respond. The 30-day deadline passed on XX/XX/year>, and I did not receive any results or notice of completion by that date. 

Instead, after the deadline passed, I sent a follow up letter for removal due to FCRA violation on XX/XX/XXXX and Experian sent me a message stating that the dispute was now open. I did not submit any new documentation or reinitiate the dispute, so their attempt to restart the process violates FCRA Section 611 ( a ) ( 1 ) ( A ).

Because the investigation was not completed within the 30-day period, the FCRA requires that the disputed account be deleted. Experian has failed to do this.

I am requesting that the CFPB intervene to require Experian to immediately delete the XXXX XXXX account from my credit file in accordance with the law. 

I am attaching the dispute letter I submitted and a timeline of the events as evidence.

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 2025-06-25 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-25 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: PA

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 

Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries were not authorized by me and must be removed from my report immediately.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I noticed this account on my profile but was never notified at all by the original creditor of this account yet even having a balance. I spoke with management of {$0.00} in XX/XX/year> and was approved by XXXX who is the XXXX XXXXXXXX. I have been violated because i wasn't notified of the debt it was just placed on my credit profile with notice of debt. In a case I was notified of balance the matter may have been resolved. Please request documents of signed consent of debt and application of proof of this reporting. 
. XXXX XXXX XXXX XXXX ( Account * XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: KEYCORP
State: NY

Complaint narrative:
I have spoke to keybank my credit card company since discovering this issues over XXXX times all together starting on XX/XX/XXXX. And I am currently on the phone with them now XX/XX/XXXX since XXXX am this morning trying to work on the Same issue. I was given provisional credit back on XX/XX/XXXX however my credit card payment still went from {$47.00} to {$360.00} payment and never changed back after provisional. I couldn't afford to make that payment and shouldn't have been that high after provisional. I have tried to expla9n that to the credit company and they are not working with me just adding on more fees and late fees too. Im currently XXXX  days over the payment because of all this. I was called about a debt to them at XXXX am this morning and woke up. Nothing to resolve anything just trying to collect almost {$400.00} from me in a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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