vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: AZ

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 non-monetary relief
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: CO

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 2025-04-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
* * Subject : * * Repeated CFPB Complaints Ignored Urgent Request for Action Dear CFPB Review Team, This marks the * * sixth formal complaint * * I have submitted regarding * * Bank of Americas misconduct * *, yet the CFPB has failed to take * * any * * action to assist me. Despite its mission to protect consumers, I have not received a meaningful review, intervention, or resolution. 

The CFPB publicly showcases cases where it has successfully helped * * other individuals and businesses * * connect with financial institutions, yet my complaints have been continuously * * ignored or deprioritized * *. This * * unequal treatment * * raises concerns about how consumer grievances are being handled internally. 

# # # * * IRP Program A System That Denies Help * * The * * Individualized Review Process ( IRP ) * *, which Bank of America claims is designed to assist those it has financially harmed, is deeply flawed in practice. My personal experience revealed that * * customer service representatives were unable to access case files * *, making meaningful assistance impossible. Despite providing extensive evidence of hardshipincluding multiple evictions and extreme personal riskI was denied support without a legitimate review. The failure of the XXXX program suggests * * a deliberate lack of accountability and transparency * *, leaving vulnerable consumers without the aid they were promised. 

# # # * * Bank Error Failure to Investigate * * Bank of America has failed to acknowledge or investigate a serious banking error that directly impacted my financial stability. Despite providing clear documentation and repeated inquiries, the institution has neither responded adequately nor offered a resolution. This lack of action raises significant concerns regarding their commitment to responsible banking practices and consumer protection. I request an immediate * * review of this failure to investigate * * and urge the CFPB to hold the bank accountable for its negligence.

# # # * * Request for Action * * I demand that the CFPB take the following steps immediately : 1. * * Acknowledge this ongoing issue * * and provide a * * clear explanation * * for why my complaints have been repeatedly neglected.

2. * * Assign a direct CFPB representative * * to * * personally review * * my complaint and provide guidance on actionable next steps.

3. * * Enforce accountability * * against Bank of America for its continued refusal to address financial errors and failures within its XXXX program. 

The * * CFPBs duty * * is to * * actively protect consumersnot just collect complaints * *. I request * * immediate action * * and a formal response detailing how this matter will be addressed. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$270.00} XXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$280.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$13000.00} XXXX XXXX XXXX * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$100.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$180.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian on XXXX XXXX, 2025 about fraudulent/unauthorized inquiries and to this date I have not received a response from Experian

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 2025-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a lot of fraudulent accounts that I have no idea of. Please remove all of these accounts because they are harming my ability to improve my 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
Incorrect information on report per FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit 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 collection account from XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the accounts in question as well as a copy of the XXXX  consumer FICO credit report as I was unable to pull my XXXX  or Equifax reports online for some reason, these reports show the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX. Thank you for your support regarding this matter, Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX  credit reporting agency , block information appearing on my consumer credit 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX Balance {$570.00} XXXX  XXXX XXXX Balance {$780.00} XXXX XXXX Balance {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$300.00} XXXX  XXXX XXXX Balance {$680.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
.

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 2025-04-22 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: TN

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 explanation
Consumer complaint received 2025-04-22 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: TN

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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I was charged for 2 times with amount of {$560.00} from merchant name XXXX XXXX XXXX XXXX. I contacted Barclays Bank to report this fraud as never received anything from that merchant as well as did not know the merchant. After about one month, Barclays charged back me for those transaction and said that the transactions were valid and I am liable for those charges. I told them provide me any proof from merchant what kind of goods or services they sent to me, In fact I never received anything from that merchant, even with an email confirmation. I researched the merchant name online and found out there were so many report scam of that merchant, however Barclays ask me to pay for those fraudulent charges. Barclays supported those scammers.

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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NC

Complaint narrative:
IQ Data ( XXXX XXXX ). I called to make a payment arrangement with them and to see what they could offer as i was taking them out of a dispute status since i now understood the charge. Rep threatened to slander my employer by saying they were going to actively advertise to everybody they knew not to have an account with my employer while belittling me as a individual when i asked a safety concern question in regards to a follow up call to settle the debt. Rep refused to work with me unless i told them my employers name so they could broadcast false accusations. told me i was not aloud to speak and my opinion didnt matter even though i was not talking and was specifically told i was not aloud to talk. I was informed that " i was incompetent of answering questions '' speaking to my mental state all because i wanted to ask a question before proceeding and was yelled at, threated by saying ill never get my home loan because i didnt do what they wanted, " good luck getting your home loan now '' was specifically said. i was told i better not talk over them as they talked over me repetitively. They used high pressure sales tactics, threats to my credit, my loan ( including financial harm ) and to slander my company ( which could have cost me my job if i answered who i worked for ) and then refused to allow me to make payments or talk about payment options with them. this happened on the night of XXXX/XXXX/2025 and it was the initial reps supervisor. The " supervisor '' was very proud to threaten me several times in a row and boasted about this in a very proud manner and wouldn't allow me to speak and said " my opinion didnt matter '' even though i wasn't allowed to talk to begin with. They said they were going to mark this as an evasion of the collection even though i specifically asked to have somebody work with me i just worked with to ensure i was comfortable with my contact and could make my payment without worrying about security issues as i have been a victom of a data breach recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
my credit suddenly went down by about XXXX points. 
i saw that the name accusing party and called them. i asked them if i've ever had an account with them within the past year 's history. they were unable to provide any info and said my information is not in their system. this must be some mistake or identity theft or my information was sold or something! 
i haven't lived in texas for the past 3 years ( where the XXXX XXXX is from ) since im in the XXXX. i have no idea what this is about. i just want the proof that i owe this debt. i need to know if i need to take legal action if this is identity theft as i've had issues in the past with this. 
i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am submitting a formal complaint against XXXXL XXXX regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151. 

Here is the list of the accounts : XXXX XXXX * * * Balance Owed : {$300.00} Date Opened : XX/XX/XXXX XXXXXXXX  XXXX XXXX * * * * * * * * * Balance Owed : {$690.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} Date Reported : XX/XX/XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$25000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief