vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: VA

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 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 2025-07-09 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: TX

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I froze my credit accounts years ago with all three credit bureaus. I am trying to thaw my credit with experian becasue I want to open a new bank account. I have given all the correct information ( information I've used to log in in the past, and have not changed any ) and it is not able to verify my identity. I have tried many different ways to gain access to my account and the automated machine gives me options I've already tried and won't allow me to speak to a representative. I need to have access to this account, it isn't right that I'm being barred from it.

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 2025-07-09 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:
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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
While I appreciate Nelnets clarification to Complaint No. XXXX, it does not resolve my concern. A collection item from the U.S. Department of Education still appears on my credit report. This appears to stem from a XXXX XXXX possibly beyond the 7-year reporting limit under the FCRA. I did not receive proper validation for this debt, and it is inaccurately impacting my credit profile. I request CFPB assistance in removing this item as outdated and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year> my XXXX account was randomly frozen. I had a dispute for a hotel stay that I was wrongfully charged for open. They said I had " multiple 'XXXX XXXX XXXXcounts, which is untrue. This account had been in use for at least a year. I had my identity stolen years ago, so I guess this stemmed from that. I submitted proof I am who I say I am, but now they want me to pay some scammers debt. No way. So I just ignored them, until today, XX/XX/XXXX. I got an email that my dispute from XXXX was finally resolved in my favor, giving me my {$75.00} back. However, I can not transfer it out of XXXX because it is frozen. I dont care if they dont unfreeze my account. XXXX is nothing but scammers, I have read so many horror stories the last few months, but I just want my money back and for them to close any account using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

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 2025-07-09 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: MI

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About a month ago, I filed a fraud claim with Bank of America for unauthorized debit card transactions. The bank initially denied my claim before the 10-business-day investigation period ended. After I filed a complaint with the CFPB, Bank of America reopened the claim. 

I proactively submitted a new written statement to Bank of America on XX/XX/XXXX to support my claim, even though they did not explicitly request it. Despite this, the 10-business-day investigation period ended on XX/XX/XXXX, and I have not received any provisional credit or a clear resolution. 

Bank of America has stated they will not issue a provisional credit because the claim was reopened, but Regulation E ( 12 CFR 1005.11 ( c ) ) requires that provisional credit be provided if the investigation is not completed within 10 business days, regardless of reopening status.

I am requesting CFPBs assistance to ensure Bank of America complies with federal regulations and issues the required provisional credit promptly.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergence Acquisitions, LLC
State: IA

Complaint narrative:
I respectfully disagree with the companys response to my complaint. ( XXXX ) The garnishment was based on a judgment entered in XXXX that was not lawfully validated, not properly noticed, and appears to be time-barred under Iowa Code 614.1 ( 6 ). 
RE : CFPB Case Convergence Receivables / XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Claims Case No. XXXX Consumer : XXXX XXXX XXXX Original Case Date : XXXX | Current Activity : XXXX Garnishment Attempts Summary of Violations & Ongoing Harm : Stale Judgment & Inactive Periods : This case was filed over 17 years ago, in XXXX, with a default judgment granted for {$380.00}. 

The intermittent enforcement of this judgment over such a long time with years of no activity and no updated validation is predatory and possibly unlawful under Iowas limitations on dormant judgments and due process rights under the XXXX Amendment. 

Assignment Without Proper Notice : The judgment was transferred to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, but I was never formally notified of this assignment or offered any opportunity to dispute it or request verification of the debt. 

This violates FDCPA 15 USC 1692g ( initial communication and right to dispute within 30 days ), as I received no right to dispute or validation letter from the new collector. 

Failure to Validate Debt : I never received full debt validation from either Convergence Receivables or XXXX XXXX XXXX XXXX, despite multiple garnishments initiated over the years. 

No contract, accounting ledger, chain of custody of the debt, or proof of assignment with a notarized affidavit has been provided. These are required under FDCPA 15 USC 1692g ( b ) and Iowa law. 

Unlawful Garnishment of Potentially Exempt Income : A garnishment was recently executed in XXXX. At the time of garnishment, I had pending or active applications for state assistance and other protected income sources. 

This likely violates Iowa Code 627.6 and 15 USC 1673 ( a ) exempt income ( SNAP, TANF, SSI, etc. ) is not subject to collection or garnishment. 

Due Process Concerns & Legal Misuse of Courts : I have recently filed in XXXX XXXX XXXX : A Motion to Vacate the Judgment, A Motion to Quash Execution, and A Request to Defer Court Costs. 

These filings reflect a lack of notice, predatory collection practices, and garnishment activity not supported by legally required validation. 


I request continued investigation, enforcement action, and a full refund of unlawfully garnished funds. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and/or inquiries. Please remove this item. They are hurting my ability to obtain credit.

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Request for Permanent Deletion of Closed Account XXXX XXXX account number XXXX XXXX account-XXXX XXXXXXXX XXXX account- XXXX XXXX XXXX account- XXXX XXXX XXXX account-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX credit card ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$75000.00} ), a XXXX  unsecured loan ( Account # XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$10000.00} ), a second XXXX  unsecured loan ( Account # XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$25000.00} ), and two XXXX XXXX XXXX collection accounts ( Account # XXXX XXXX XXXX XXXX XXXX, both opened XX/XX/XXXX with balances of {$2500.00} and {$4400.00} respectively ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX and XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts include one credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$75000.00} ; two unsecured loan accounts opened at XXXXone on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  with a balance of {$10000.00} and another on the same date under account number XXXX XXXX XXXX XXXX XXXX with a balance of {$25000.00} ; and two collection accounts reported by XXXX XXXX XXXX, both opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  with balances of {$2500.00} and {$4400.00}. These fraudulent items have resulted in multiple unauthorized hard inquiries and significant negative effects on my credit profile. I demand that all five accounts be removed from my consumer credit reports and that any associated collection activity be ceased immediately, as protected under the FCRA and FDCPA.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-09 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
On XX/XX/XXXX, while attempting an international transaction, the purchase was declined, and I received a text message inquiring whether I had attempted the transaction. After responding affirmatively, I was informed that I could proceed with the transaction as it would be approved.

Shortly after the purchase was completed, I received another text message requesting that I contact Citibank, which seemed illogical given that I had just received authorization to proceed with the transaction. Upon contacting the bank, the representative was unable to send me a verification SMS and subsequently informed me that a letter had been sent, without mentioning that I would only be able to unblock and use my credit card upon its receipt.

It has been one week, and I have yet to receive the letter. I am scheduled to travel tomorrow, and this is my primary card. I have attempted to contact Citibank several times, but they have been unable to escalate the issue for resolution. It is 2025, and their fraud verification method remains outdated, reminiscent of the 1980s.

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 2025-07-09 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 requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies

Company response to consumer: Closed with explanation