vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I have several inquiries on my credit report that have been made without my authorization, and under consumer law, I require that they be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are affecting my credit report and I need them removed.For the Low

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 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several inquiries on my credit report that have been made without my authorization, and under consumer law, I require that they be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are affecting my credit report and I need them removed.For the Low

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions totaling {$51000.00} were made from my Bank of America debit card to XXXX XXXX. I reported the fraud to Bank of America within XXXX hour, froze my card, and later filed a police report, which I submitted to the bank. 

Bank of America denied my fraud claim based on recent spending habits and no actual evidence from the merchant. In fact, they admitted that they were unable to get in contact with XXXX XXXX and therefore based their denial solely on internal assumptions. 

I was told the investigation was no longer being handled under Regulation E, even though I acted immediately, did not authorize the transactions, and had no prior history of fraud. XXXX XXXX has since closed my account and made a manual adjustment, indicating they are aware of the dispute. 

I am requesting that the CFPB intervene and ensure a full and fair reinvestigation is conducted. I followed all necessary steps as a fraud victim, and I believe my rights under federal consumer protection laws were not respected in the handling of this 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 monetary relief
Consumer complaint received 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-15 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: National Enterprise Systems, Inc.
State: NV

Complaint narrative:
On my credit report I see damages that are causing defamation to my character coming from various collection companies. I requested validation of the debt and was not provided it. According to 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ) I have a right to investigate the validity of the debts in question I requested the following : 1. Validation of Debt : Please provide documentation proving that I am legally responsible for this debt. This includes : A : A copy of the original signed contract or purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
B : In addition, please send proof of the chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
C : Also include a full accounting history from the original creditor including the date and amount of each payment and the date of first delinquency leading to the collection status. 
D : If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
E : Proof that you are legally allowd to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond.

F : Also send proof that you sent the legally required notices to me before reporting alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it Debt Parking without proper notices is a violation of consumer rights. 
Cease Certain Communications : Under 15 U.S.C. 1692cc, I request that all further communication regarding this matter be limited as per federal guidelines.

2. Credit Report Correction : If you can not validate this debt, I demand its immediate removal from any credit reporting agencies in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ).

Please provide written confirmation within 30 days of receipt of this letter that the requested information has been provided or that the debt has been removed from all records. Failure to comply may result in further legal action.

Thank you for your prompt attention to this matter. Please direct all future correspondence to my mailing address.

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 2025-07-15 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: GA

Complaint narrative:
At XXXX Tuesday XX/XX/year> I received a call that lasted a total of 1 min 37sec from the following number : XXXX ( XXXX ) XXXX. I answered and a gentleman asked if he had reached XXXX XXXX, " yes, this is she, '' I responded. Next he told me his name was XXXX and this call may be monitored and or recorded. Next, he says is your address " xyz? '' I asked who he was calling from and what was the nature of his call. He responded with my name is XXXX XXXX something I think was the start of the last name, I do not recall. I said ok you already told me your name what are you calling in regards to? He repeats his name and again asks that I verify my address. I told him no, I have been victim of identity theft and fraud, I will not verify anything until I know what this call is about. He says it is about my personal business. I said ok, what business is that? He said your personal business. Then asks to verify my correct address again. I said listen, I will NOT verify ANYthing until you tell me who you are. He repeats his name again and says he's calling about my personal business. I said look, tell me who you are calling about I am not verifying my address to you. He then says he is calling about XXXX XXXX XXXX. I said, " well, I am not in any negative standing with XXXX XXXX XXXX so what are you calling about. '' He says, " when you validate your address, then I can proceed with telling you what the call is about, regarding your personal business. '' Personal business had been repeated 3x. His name 2-3x. My current cell phone provider is XXXX XXXX XXXX and my bills are up to date on auto pay, so I do not have debts with XXXX XXXX XXXX. I have never received a call from any collection agency that proceeded in the manner as that call just did. I signed up for XXXX in order to find out who the call was from and that is when I found out it was from Credence Resource Management in XXXX, AR and that it was a legitimate debt collection agency. My name is pretty one of a kind, so should be sufficient in verifying it is the right person to whom he is trying to reach. To be a wisenheimer repeating his name like that, repeating " for my personal business '', I'm saying then it is my personal business to know who you are and why you are calling me prior to verifying my address, I again, have never encountered such behavior. Not to mention the main red flag throwing out XXXX XXXX XXXX  which I do not owe any debt to. I am a federal and state victim of crime. This could very well have been my assailant trying to track me down and now I'm in fear of my safety here. I hung up on him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

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

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 2025-07-15 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: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
on XX/XX/14 i received a letter that I attached stating that I was served but I was not home at that time they left a letter stating that they would be back with my teenage son. Neither him or I fit the description of who was served. I have asked for validation of debt from the attorney and their customer and can not get one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXXTO: CFPB\nSUBJECT: PayPal Multiple Currency Account\nFROM: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGood morning from XXXX. Let me tell you a storyXXXX  years ago, I signed up to a PayPal account, for several reasons, one of which was the ability to collect & use multiple currencies (i.e.XXXX XXXX XXXX in a single account. This belief was supported by monthly PayPal statements reporting funds in the both different currencies.XXXXRecently I responded to an unsolicited PayPal Debit Card offer. I applied and received the card XXXX XXXX XXXX XXXX with the intention to use it, on my regular XXXX visits, to spend my XXXX XXXX that had accumulated. I am currently in XXXX  for several months, but do NOT have access to XXXX  fundsXXXXUpon receipt of the card, I specifically set it up to only use my XXXX, expecting to avoid bank fees and costly/unnecessary currency exchange rates. XXXXUnfortunately, PayPal doesnt agree with that intention and refuses to allow me to use my accumulated Euros. The euros are basically frozen and unusable with the PayPal Debit Card which (theoretically) is dedicated to use my XXXX. XXXXPayPal has instructed me to convert the XXXX  to XXXX, use the XXXX in XXXX, that will then involve an addiitonal exchange rate & fees.XXXXMany folks might think of this as a theft of funds and a scheme to generate revenue. Im assuming PayPal can either correct this issue or explain why it cannot. PayPal only offers the double exchange rate solution.XXXXUnfortunately, I have warned PayPal that the next optional step is a formal complaint to the  Consumer Financial Protection Bureau (CFPB)XXXXThank you for your consideration and assistanceXXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have two loans which is held by NewRez and serviced by Shellpoint. Both of my loans are on ACH for monthly payments. On XX/XX/XXXX I received email from XXXXXXXX XXXX XXXX referencing my loans and stating payments were not received on my loans. 
Not knowing who XXXXXXXX XXXX XXXXXXXX is, I reached out to Shellpoint on XX/XX/XXXX. Shellpoint then told me my loans were transferred to XXXXXXXX XXXX XXXXXXXX and a notice was mailed on XX/XX/XXXX. I could not get an answer as to whether or not the ACH was transferred. 
This transfer notice was sent on XX/XX/XXXX via regular mail, while the new servicer is collecting payment for XX/XX/XXXX. As of XX/XX/XXXX, i did not receive the transfer notice. 
This is very poor communication between Shellpoint, XXXXXXXX XXXX and myself, and probably a violation as far as notifying customers of the transfer of loans. I tried to call XXXXXXXX XXXX XXXX at XXXX ( eastern time ) and get a voicemail stating they are currently closed. 
I am still in the process of trying to get this resolved to ensure my payments are received on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments, which I believe XXXX be inaccurate or unsubstantiated. Despite having sent correspondence regarding this matter over XXXX  days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation of these reported late payments. I am seeking your assistance in resolving this matter promptly and effectively, as these negative marks are adversely affecting my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Transunion has wrong name on credit report. I tried to contact them and spoke to them and they still haven't changed the name. The report is inaccurate because it's not my name and you keep reporting. This is fraud, identity theft, misrepresentation, breach of fiduciary duty, they are conspiring against me. I am the entitlement holder of account and they failed to honor my entitlement order. They are in dishonor.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All three credit bureaus has may name listed wrong within the names listed. 
Experian has me listed with my name as : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I have tried disputing this before with no changes

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I sent a certified letters to Transunion dated XXXX/2025 via USPS mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX. The letter was delivered to Transunion in  on XXXX2025 at XXXX XXXX in XXXX PA. The letter stated they needed to promptly investigate the account and correct it or delete it. Transunion ignored my request and I proceeded to send another letter on XXXX2025. They also ignored my 2nd letter. The accounts that were included in both letters were \n1. XXXX XXXX XXXX XXXX account number  XXXX \n2. XXXX XXXX account number 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 2025-07-15 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: 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Bankruptcy Account Number : XXXX Account Name : Bankruptcy Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation