vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report. I checked it as I usually do, but this time, strange discrepancies appeared out of nowhere. I tried refreshing the page thinking it was a glitch, but nothing changed. Im really frustrated and want the documents I sent to be carefully reviewed and resolved 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting the reinvestigation and deletion of this item due to its inaccuracy and lack of verification. Please see the attached XXXX  documentation as supporting 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting the reinvestigation and deletion of this item due to its inaccuracy and lack of verification. Please see the attached XXXX  documentation as supporting 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 non-monetary relief
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: Moss Law Firm, P.C.
State: TX

Complaint narrative:
My husband and I applied for a vehicle loan XXXXXXXX XXXX XXXX and were denied because they stated I had delinquent chase accounts for {$8000.00}, {$6200.00} and {$4200.00}. I filed a police report and reported these accounts to the FTC as I do not owe this accounts as I was a victim of identity theft. FTC report number is XXXX. I am now being sued for these accounts that I do not owe and would like assistance in resolving this matter. Thank you

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: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Release a new 2 % unlimited XXXX XXXX  Card.

I had their old 1.5 % unlimited XXXX XXXX Card.

I applied for new Card. 
When application was approved, I call customer service.

I waited on hold ~40 minutes. Every time I have tried to call them in past 4 years they have forced me to wait on hold 30 minutes or more.

1. My goal was to take the existing already approved available 1.5 % XXXX XXXX  credit card and move it to the new card. 
2. My goal was to reduce the amount of cash that can be withdrawn per transaction to {$200.00}, the lowest allowed amount. 
3. My goal was to expeditive the delivery of the new card.

They told me they could do all 3 requests.

The old 1.5 % XXXX XXXX card was closed.

They then refused to honor any of my three requests because I did not own a cell phone. 
They claim their system only allows cell phone verification by text. 
They have records on file indicating I do not have their cell phone banking app, nor own a cell phone. Some people with certain XXXX do not have cell phones. 
Also a XXXX XXXX XXXX XXXXs significantly more secure than any cell phone. 
They said I could go into a branch present two forms of ID, and have the branch contact them and request my 3 goals. 
I tried this method on a previous transaction, the Branch made me wait 1.5 hours ( they had ~30 people in line before me ). After waiting the branch said they could not help me becaise the call center keeps them waiting on hold too long and they have too many walk in customers to deal with their poor customer service. After speaking with branch manager, they agreed to help. First they the said I did not need to do process as they offer email verification. Then they agreed to contact customer service. It took them ~30 minutes to get through and built up a line of many customers. Finally, the branch closed, they said I had to leave, then agreed to just lock the doors and finish job. 

Also, Bank of America claims to offer secure virtual one time use credit card numbers to make online shopping safer. Even large companies like XXXX XXXX  XXXX have been recently hacked and any credit card numbers given to online merchants end up in the hands of overseas pirates. I asked if customer service would walk me through how to use the virtual numbers ( which I thought they had discontinued ). When they tried, they learned the service was only available to people would use cell phones. 

Bank of America is discriminating against people who do not own or can not use cell phones and forcing people to use less secure banking methods in the guise of enhanced security.

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: CBC Companies, Inc.
State: UT

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XX/XX/2025, I paid off my Apple Card, issued by Goldman Sachs, in full. Although the payment was promptly withdrawn from my bank account, it took approximately 10 days for the funds to be reflected on my Apple Card account. Once the payment was finally posted, I noticed that my credit limit had been reduced from {$2000.00} to {$500.00} without explanation. 

When I contacted customer service to inquire about this change, I was informed that the account was still clearing the payment. I expressed my frustration and disappointment regarding the unexplained credit limit reduction. Unfortunately, the representative I spoke with was dismissive and ended the call abruptly. 

Shortly afterward, I noticed that the name on my Apple Card account had been changed to XXXX XXXX, a name I have never used or authorized. When I raised this serious concern with Apple Card representatives in late XXXX, I was told that a previous representative had mistakenly made the change. When I asked how such a significant error could happen and requested the name of the representative responsible, I was told the information could not be shared. I expressed that this situation appeared highly irregular and potentially fraudulent, but I received no further clarification or resolution.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX and CFPB advising that 2 companies have attempted to collect a debt from me that I do not owe. The debtor is XXXX XXXX XXXX XXXX. XXXX went as far to file against me in XXXX XXXX. I have no business either company. I asked for documents with my wet signature from them stating that I have entered to a business contract with them or a signed agreement from any other company with my express written consent to share my personal and financial information with either LVNV c/o Resurgent Capital. I was not provided anything of the such. I was mailed a theft affidavit. I have no business with this company and do not feel comfortable providing them any information other than requesting documents they have to validate that I owe them any funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT- Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the accuracy of a debt you have reported to one or more credit reporting agencies under my name. The information you have reported is incorrect and I am requesting that you validate this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and also correct or remove any inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please provide the following : 1. The amount of the alleged debt, including a breakdown of fees, interest, or other charges ; 2. The name of the original creditor and your relationship to them ; 3. A copy of the original contract or agreement showing I am legally obligated for this debt ; 4. Documentation proving your legal authority to collect on this debt ; 5. A detailed payment history and accounting ; 6. Verification that the debt is still within the statute of limitations ; 7. A copy of any documentation or records that were used to verify and report this information to the credit bureaus. I also demand that you immediately cease reporting this alleged debt to any credit reporting agency until you have properly validated it. Reporting inaccurate or unverified information is a violation of federal law. If you can not provide this documentation, or if the information can not be verified, you must promptly delete this account from my credit report and cease all collection activity. This letter is not an acknowledgment or admission of any debt. Please respond in writing within 30 days of receipt. Sincerely, 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
onsidering the circumstances and the severity of the situation, I am requesting the fair and immediate removal of these fraudulent accounts from my credit report. Doing so is crucial to safeguarding my credit standing and preventing further harm to my financial well-being. I trust that the CFPB will take swift action to investigate this matter and ensure the prompt removal of the fraudulent accounts from my credit report. Your assistance in resolving this issue is greatly appreciated, and I am hopeful for a swift and satisfactory resolution.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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