vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Police report showing robbery and XXXX assault and what was stolen was sent. My Id, ssn, and a piece of mail with my current address as well via certified notarized mail. I ask once again for the following changes to be made asap so as to keep fraud off my report. I asked for the companies ( besides electronic and Editable PDFs showing nothing but transactions ) to provide me with anything that shows these accounts were not associated with fraud and they even sent in letters saying they agree due to no first payment, large random transactions and no connection to my address just email they closed the accounts. BUT its up to you guys to remove them and keep them off so why havent you and what laws specifically for each account is backing you? I would like to motion to take you to court and its your duty to advise next steps to do so OR give me a wet signature contract between me and all companies, line by line MATCHING transaction history, exact open and close dates on accounts and you guys havent. Its inconsistent between all XXXX reporting agencies even the amount owed is wrong After several updates form you guys. And as for the collection I want electronic verification dated proof that any type of letter was sent to my current address and any kind of wet signature and or ID was presented when the original account was opened and proof of what they paid for the account and why they are demanding me to cover the cost. Its been XXXX  days Im trying to buy a home and actually use MY CREDIT and due to fraud I cant. This is causing me homelessness, job loss due to not being able to get a car, and distress and you guys have shown no legal backed proof that anything was actually verified and validated how, by who, and when for XXXX accounts. Is that not your job? I filed a complaint with the attorney general and I see you guys are already in and out of class action lawsuits for taking complaints lightly.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am officially requesting the deletion of this incorrect account from my credit report, as I never authorized its creation or usage. Supporting documents are attached to substantiate my claim.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my account with Bank of America and they were responsible for me losing my house and not able to access my money because of continuous freezing of my money and accounts, blocking the online portal, I lost my car And couldn't pay bills for weeks on end over and over again for 2 years. I got a check in the mail from the IRP ( individual Review process ) And they had a request IRP number associated with my account. It's stated I have until a certain date to file a new IRP request and upload supporting documents for proof of damage cause by BofA to my life, my ability to work. My house I lost bills that were late all the time because of their fraudulent actions, freezing and holding my money, freezing my accounts and so much more. Now FTI Consulting made it impossible for me to get on the portal to upload documents and proof of financial harm and the amount I was Still owed. After numerous hours and weeks of being on the phone with an agent to get access to the portal they weren't capable of getting me access to my account to finish the IRP proof and we're solely responsible for the time frame to file it to expire. With all the calls and proof of it not being my fault they sent me 2 different letters stating on XX/XX/year> and XX/XX/year> that " Upon Consideration, my request for an extension has been denied because it did not show unique or extenuating circumstances necessary to grant my request '' When they were the reason why I couldn't finish it in the alotted time.

So Bank of America and their firm they used both did the same thing to me and I demand they give me an extension for at least a week to access my online portal to upload the documents or send me a check for the {$30000.00} I lost and the amount of money it costs to get into a new house and car. Which I both lost because of Bank of America. Please help me and right this wrong that has been still affecting my life to this day. 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 explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX mishandled my loan payment and failed to properly communicate with me prior to reporting a late payment to the credit bureaus. Despite my repeated and documented attempts to resolve the issue, they did not provide clear information or assistance. 

In early XX/XX/year>, I attempted to make my scheduled loan payment several times through various methods, including mailing checks and contacting their customer service line for clarification. Each time I called, I was transferred to overseas representatives who could not confirm whether my payment had been properly received or processed. I was never given a clear answer, and no one from the company followed up to resolve the issue. 

On or around XX/XX/year>, XXXX XXXX XXXX reported my account as past due, and by XX/XX/year>, this delinquency appeared on my TransUnion and other credit bureau reports. This has caused a significant and unfair negative impact on my credit score and overall financial standing. 

Additionally, I never received any prior written notice, email, or mailed correspondence to my address at XXXX XXXX XXXX, XXXX, MI XXXX, informing me that my payment was late or that my account would be reported as delinquent. There was no proper communication through the companys stated channels before this action was taken. 

In summary, XXXX XXXX XXXX failed to : Provide proper and timely notice before reporting the payment as late. 
Accurately process or confirm my payment attempts. 
Offer competent customer service or escalation support. 
Maintain accurate communication records or send required notices by mail. 

This reporting was made in error and without proper due process, and I am requesting that the negative mark be removed or corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was scammed. Someone got access to my banking information along with my debit card numbers. They took big amounts out of my checking account which depleted all money I had which put me in delinquency with all my bills. On top of that, I had overdraft fees as well. The bank took two weeks to get my provisional back and took care of the overdraft. Today they reversed the provisional and took all the money back which has once again depleted my account with no money and another overdraft charge. They said that since it was from my debit card, they assumed I did it which I argued that I did not do. Im a very honest and loyal customer to US Bank. This is unfair and it is was a scam which has harmed me financially with no help from the bank. I want my money returned from the bank 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 2025-10-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-10-22 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Name is XXXX XXXX on XX/XX/XXXX XXXX applied for the XXXX Mastercard issue by Citibank, i was approved for XXXX after received my card and tried to activate it i was informed the card its blocked Reason? " consumer Protection '' im already a customer from citibank with homedepot and macys, i used the same information on my previous cards like address, phone, income, employer etc but the ONLY card giving me hard time its XXXX I SPOKED WITH XXXX AGENTS INCLUDING " SUPERVISORS '', they and their stupid system CANT verify me using my cellphone number, same number on ALL my accounts, the " fraud department '' sent me a letter with a " refence # '' to my addres to confirm that i was the one who applied for the card, after wait for 10 days to that letter i called and confirmed, the card was " unlocked and activated '', and guess what? 
after trying to use it for the first time BLOCKED BACK AGAIN calls and calls and calls and calls, nobody help, and sent me ANOTHER STUPID LETTER to do the same process that i already did XXXX MASTERCARD AND THEIR " CUSTOMER SERVICES '' ARE THE WORST AND I DONT RECOMEND NOBODY TO APPLY AND OPEN THAT ACCOUNT EVER

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 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
Victim of ID Theft, need assistance removing a fradulent account from my credit reporting agencies

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunbit, Inc.
State: TX

Complaint narrative:
amount reporting XXXX account XXXX i have no knowledge about this account reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NE

Complaint narrative:
Debt was to be deleted from my credit report {$760.00} its not my account and its still showing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
None of these are me these might be my father i am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - XXXXXXXX XXXX XXXXXXXX Delete These Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Delete old and non known jobs Employers : 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 2025-10-22 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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
They closed my account for no reason and wouldnt explain why they did it. I asked to appeal and they wont let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Early Warnings Systems Consumer ID : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warnings Systems Consumer Reporting Agency , block information appearing on my consumer 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 a checking account opened at XXXX XXXX  with an account number ending in ( XXXX ) and saving account ending in ( XXXX ). I've attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned checking account as reported. The aforementioned checking account appearing on my consumer report maintained by you was not opened, made, or initiated by me. The aforementioned checking account is the result of identity theft and fraud. I have attached a copy of a photo ID card, social security card as proof of my identity. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that the aforementioned checking account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CT

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Dat Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Started XX/XX/year> and someone is still accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: CA

Complaint narrative:
i just got a phone call concerning my car payment, i am on social security with a tight budget. i get pain each month on the XXXX. i keep explaining that to them. they keep calling and harassing me. demanding payment. I am a man and i am XXXX XXXX XXXX, with a bad XXXX XXXX, and i told them that i can not handle the stress of bills. i need them to deferr at least 2 payments or lower the high interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
A Possible Finance account is being reported on my credit report. I previously disputed this account, and in their response to CFPB, the furnisher flagged the account as potential fraud. 

I did not initiate a fraud claim myself, but the companys own admission indicates that they can not legally validate or confirm the accounts authenticity. They have not provided any supporting documentation such as a signed agreement, application, or IP records to prove I opened or authorized this account. 

Despite this, [ Experian / Equifax XXXX TransUnion ] continues to report this account, which constitutes a violation of FCRA 611 ( a ) and 623 because unverifiable information can not remain on a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint because a debt collector or repossession company contacted members of my family multiple times and disclosed private information about a car loan debt. This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and disregards protections I invoked under the Fair Credit Reporting Act ( FCRA ) Section 605C.

I previously submitted documentation to credit reporting agencies under FCRA Section 605C to block adverse information resulting from XXXX-related circumstances. Despite that, the company attempting to collect or repossess my vehicle has continued to contact third parties ( my family members ) and has disclosed details about the debt, including the nature of the account and that repossession is being pursued. This company has called my relatives more than once, which exceeds the legal limits on third-party contact under the FDCPA ( 15 U.S.C. 1692b ). They are not permitted to discuss my debt or use my family to locate or pressure me. This behavior is harassing and unlawful. I request that the CFPB investigate this companys conduct for violations of the FDCPA and FCRA.

I request that the company immediately cease contacting or disclosing any information to third parties, including my relatives.

I also ask that any negative or unauthorized reporting related to this account be removed from my credit file in compliance with FCRA 605C. I want the company to stop contacting my family, comply with federal law, and confirm in writing that they will only communicate with me directly and within legal limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris & Harris Ltd. is attempting to collect a {$5000.00} balance for alleged XXXX traffic violations ( Ref # XXXX ) on behalf of the XXXX XXXX XXXX XXXX. I sent a written debt-validation request on XX/XX/year>, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), to their XXXX office. USPS Certified Mail # XXXX shows delivery on XX/XX/year>, at XXXXXXXX XXXX 

I requested proof of vehicle ownership, registration, license plate/VIN numbers, copies of each citation or photographic evidence, and a full itemized breakdown. As of XX/XX/year> ( 34 days after delivery ), the company has not provided any verification or response. 

Because the account was assigned to a private collector, it falls under FDCPA and CFPB Regulation F 1006.34. Any continued collection or credit reporting without validation constitutes a violation. The alleged violations may relate to a vehicle titled in my name without my consent, and no evidence has been presented to establish liability.

Company response to consumer: Closed with explanation