vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems is reporting incorrect personal information. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. My only address is XXXX. Anything other than what I stated is incorrect.

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 2025-09-15 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately.

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability.

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation.

I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to Jefferson Capital Systems. Attached to this complaint is my written validation request, which clearly lists the documents that Jefferson Capital Systems must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 
I am submitting this request through the CFPB to ensure that Jefferson Capital Systems receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and request for Debt Validation and Proof of Claim ( Ownership ), NOT Verification. By law, Caine & Weiner was required to validate the debt before engaging in any collection or credit reporting activity. 

Instead, they : * Reported derogatory information to the credit reporting agencies without validation. Reporting the debt as valid without validation violates 15 U.S.C. 1692g ( b ) and 1692e ( 8 ) of the Fair Debt Collection Practices Act and may also violate 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act.

* They later admitted they could not substantiate the debt by closing the account in their office.

* Only after my complaint did they vaguely state they would request removal from credit reporting agencies.

This sequence of actions shows they were furnishing and collecting without any legal basis.

This Is a Violation of Federal Law.

Failure to Provide Debt Validation Before Collection : 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection until validation is provided.

Caine & Weiner engaged in credit reporting without first validating or providing proof of claim.

Failure to Confirm Deletion from All Bureaus : Their response vaguely referenced credit reporting agencies without naming XXXX, XXXX, and XXXX. 

Under FCRA 1681i ( a ) ( 5 ), deletion must occur at all consumer reporting agencies. Ambiguity here is noncompliant and fails to provide myself, as the consumer with clear resolution.

* Breach : They closed the account without ever validating or providing proof of ownership to report and collect on the alleged debt, proving they had no legal basis to report or collect.

Furnishing Inaccurate/Invalidated Information : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate.

* Their admission to closing the account shows they could not validate accuracy nor provide proof of claim as requested, yet they had already furnished it to the credit reporting agencies.

Omission of Complete Relief : * They did not provide written confirmation of permanent removal from all three stated CRAs ( XXXX, XXXX, XXXX  ), which is required, according to FCRA 1681i ( a ) ( 5 ).

* They did not provide assurance the account will not be sold, reassigned, reopened, or reinserted by their office or any third party, which violates the consumers right to final resolution under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to Address Damages : Under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n & 1681o ( FCRA ), I am entitled to statutory damages ( up to {$1000.00} FDCPA ), actual damages ( for credit harm and denials ), and punitive damages for willful violations.

I have demanded monetary damages due to the derogatory reporting that harmed my creditworthiness, which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: SC

Complaint narrative:
These accounts are not mine and they are unauthorized. I would like all these accounts to be removed from my credit 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 2025-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 2025-09-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-15 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 reporting these accounts, that were NOT opened and neither authorized by me. This is going me insane ; I am very worried about and do not know what else to do. Is cumbersome to keep myself in this terrible process, is exhausting to have to ask in different ways about my results and nothing happen, every day is the same, without response, without solutions. I need your help, because this is affecting my peace, my normal life and also my future. Ive been in this process for a lengthy and awful time and theres no any positive solution, Im tired of this. 

Accounts : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  ; XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX # XXXXXXXX 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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Issue : Bank of America mishandled my dispute and failed to provide proper resolution. 

On XX/XX/year>, I filed a dispute for {$3500.00} ( Claim # XXXX ) for a purchase made at XXXX  through my Bank of America checking account ( Account ending in XXXX ). 

Bank of America informed me that the merchants bank had 45 days to respond. That deadline passed around XX/XX/year>, and I have received no refund, no provisional credit, and no resolution letter, despite their written assurance.

My account is over 20 years old, meaning I am fully entitled to protection under applicable regulations.

On top of this, I received a letter from

Bank of Americas Regulatory Complaints Team that included a direct phone number for escalation that does not work. I attempted multiple times to call, but the number is disconnected. This prevented me from resolving my case through the channels they provided.
Violations/ Concerns : Bank of America has not complied with required

dispute resolution timelines. They failed to issue a provisional credit after the initial 10 business days, even though the investigation was not complete. They provided a nonworking escalation number in writing, blocking access to higher-level complaint resolution. Relief Sought : Immediate refund of {$3500.00} to my checking account. Written confirmation of resolution. Explanation for why a nonworking escalation number was provided. Assurance that Bank of America will comply with dispute regulations in the future.

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 monetary relief
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC.
State: KY

Complaint narrative:
b"This is regarding my commuter benefits card with Optum Financial. I use this card to pay for parking charges at my place of employment. My employer was the one who offered me the opportunity to enroll in this program. \n\nIn short, Optum's customer service is awful, and they've failed to fix this problem for over a year and a half.\n\nEssentially, two things are happening:\n\n1.\tIf I accidentally try to use my commuter benefits card to pay for something like a medication at the pharmacy, Optum is charging me an insufficient funds penalty, even if there are sufficient funds in the account. Again, these are situations where I did not intend to use my Optum commuter benefits card, and accidentally swiped the Optum card, instead of swiping my personal credit card. Simply an honest mistake  I should not be charged penalties. Especially b/c I very quickly called Optum and explained the situation.\n\n2.\tIf I try to use my commuter benefits card to pay for parking, and there are allegedly insufficient funds, Optum is charging me insufficient funds penalties  and these are getting quite expensive, including a one-time $XXXX  penalty on XXXX -- where I was trying  to pay a $XXXX  parking charge.\n\nI have been calling and emailing Optum since XXXX XXXX XXXX about this issue, and Optum keeps promising me it will have a manager call me and issue a refund, but they have never followed through on their promises.\n\nHere is a summary of the penalties that Optum has charged me:XXXX - $XXXX - $XXXX  (two charges of $XXXX)XXXX - $XXXX  - $XXXX (two charges of $XXXX)XXXX - $XXXX (two charges of $XXXX)\n\nI am requesting that CFPB get involved to help me.\n\nThank you in advance for your help."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As you have review and seen the many of claims and reports that was stated against Experian about the information on my credit report, they have not corrected or did a full investigation under the Fair Debt Collection Practices Act, 15 USC 1692g. They gave me the run around in the manner of not send or reporting back to the CFPB about their investigation. They have not or confirmed the information that provide the letter that was send in the past to them while CFPB was investigation my claim about the incorrect information on my credit report.

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