vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear [ TransUnionXXXX XXXX Dispute Department, I am writing to formally dispute the inaccurate and unauthorized medical collection account reported under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, as reflected on my credit report. The report indicates that this account was opened on XX/XX/XXXX, with a balance of {$1500.00}. I have no knowledge of this account and have never conducted any business with the stated provider. 

This account is erroneous, and I demand its immediate removal from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information may be reported.

Additionally, the report notes that this account is disputed by consumer, which confirms that this matter is already in question. However, this notation alone is not sufficient. I request full deletion of this account from my credit file unless the furnisher of the information can provide full documentation validating the debt, including : A copy of any original signed contract bearing my signature, Full itemized billing statement detailing the services rendered, Proof that I had a contractual obligation to pay XXXX XXXX XXXX XXXX, Documentation showing this account was legally and properly assigned to collections. 


If this account can not be fully verified within 30 days, I expect it to be deleted from my credit report per FCRA guidelines. Please confirm receipt of this letter and notify me of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( Last 4 Digits ) : XXXX XXXX : 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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am the holder of a XXXX XXXX XXXX credit card from Bank of America. My credit card initially had a $ XXXX credit limit, as I was going to use it for business expenses. I had no missed payments on the card, yet Bank of America decreased my limit to {$1700.00}. I had a balance of {$1500.00} on the crowd. This action made it look like I had a credit utilization of nearly 90 %. Bank of Americas action decreased my credit score from the XXXX to currently XXXX. I have tried to speak with the bank, and their response is I wasnt using any of their other products. This isnt true as I also have a checking account with them. I would like to cFPB to look into this matter, as I have been made aware of other individuals being treated the same way, as a result negatively affecting their credit scores also.

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 2025-06-06 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: MA

Complaint narrative:
On XX/XX/year> I had been sued by portfolio recovery associate LLC the judgement is in my favor for the simple fact that the company could not validate the Dept and had inaccurate information one account with portfolio recovery associate has a balance of XXXX and the other account has a balance of XXXX here are the Docket numbers for both accounts XXXX and XXXX in the XXXX XXXX XXXX XXXX  XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MA

Complaint narrative:
On XX/XX/year> I had been sued by portfolio recovery associate LLC the judgement is in my favor for the simple fact that the company could not validate the Dept and had inaccurate information one account with portfolio recovery associate has a balance of XXXX and the other account has a balance of XXXX here are the Docket numbers for both accounts XXXX and XXXX in the XXXX XXXX XXXX XXXX  XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One credit card company are reporting inaccurate information to my credit card balances to the credit bureaus ; they didn't report updated balances that was paid down. and will not fix error. The last report was for XXXX at {$1300.00}, this is affecting my credit worthiness for apply for credit. by law this is not part of fair credit act. current update should be {$1100.00} for XXXX that should be posted. They said the credit bureaus were backed up, but they are the only company that didn't update recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXn and XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I wanted to receive my SCRA benefits for being XXXX XXXX. Given I am an XXXX XXXX service member under the SCRA I shouldnt be charged more than 6 % by federal law. The loan company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$84.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$47.00}

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 non-monetary relief
Consumer complaint received 2025-06-06 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: OR

Complaint narrative:
Experian has willfully and knowingly verified a tradeline tied to XXXX XXXX XXXX ( XXXX ) despite being provided with documented evidence of mail fraud, unvalidated debt, and multiple federal violations. I sent a formal Section 609 validation request on XX/XX/year>. It was delivered on XX/XX/year>. No legally sufficient validation was ever provided. 

Instead, XXXX responded via the CFPB stating they would cease communication, place the account in restrictive status, and notify bureaus of the dispute. Despite that, XXXX re-reported the account as a new collection on XX/XX/year>, in direct contradiction to their statement. I immediately submitted updated documents to Experianover XXXX pages, including CFPB and USPS Inspector General documentation confirming active investigations for mail fraud and deceptive reporting.

Despite the overwhelming evidence of consumer rights violations under the FCRA ( Sections 1681i, 607 ( b ), and 609 ), Experian verified the tradeline again and is continuing to report false, damaging information. I have never attended the XXXX  XXXX XXXX. The basis of the account is fraudulent, and Experians repeated verification after being provided with irrefutable legal and federal records constitutes gross negligence and reckless disregard for FCRA compliance.

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 2025-06-06 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: GA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$84.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$47.00}

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 2025-06-06 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$84.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$47.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I called at XXXX and requested a debt validation. They stated that the account was cleared by XXXX XXXX and XXXX and is no longer in their possession. I request for this account to be removed from my credit report. They refused to remove it from my report even though they no longer have the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-06-06 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting XXXX charge-off accounts on my credit report that are highly questionable in both accuracy and compliance with federal law. These accounts include XXXX XXXX XXXX ( account ending in XXXX ), marked charged off as of XX/XX/2021 with a balance of {$3500.00}, and XXXX  ( account ending in XXXX ), marked charged off on XX/XX/2021, with a balance of {$6700.00}. 

Let me be absolutely clear : I dispute the validity of these charge-off entries. Equifax has continued to report this derogatory information without providing any original documentation from the creditors that proves these charge-offs were accurate, timely, and legitimately reported. Ive received no account statements, delinquency notices, or final billsnothing to justify keeping these toxic entries on my report. The continued reporting of these items without proper investigation is unacceptable and highly damaging to my credit profile. 

More disturbingly, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, exposing the companys pattern of failing to conduct real investigations when consumers file disputes. The CFPB alleges Equifax carried out sham investigations, blatantly violating its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to complete a thorough and reasonable reinvestigation of any disputed item within 30 days. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted or corrected. Thats the law, and Equifax is clearly ignoring it. 

The fact that Equifax is still reporting these charge-offswithout adequate proof or reinvestigationraises major red flags about whether this data is even coming from a secure or accurate source. With data breaches becoming more common and Equifax having already experienced one of the largest breaches in history, its entirely plausible that this outdated or inaccurate data was mishandled or attached to my profile in error. Regardless, the burden is on Equifax to validate what they report. They havent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/year>, I tried to log into my Commerce Bank credit card account and was locked out. After calling customer service, I learned my account had been closed without warning on XX/XX/year>. However, Commerce still processed my monthly payment on XX/XX/year>, after the closure and never notified me of any issue. 
There was no fraud, or suspicious activity, yet my account was terminated without explanation. When I asked why, the representative told me to wait for a letter in the mail and would not explain further. I was also told Im still responsible for the remaining balance even though I now have no access to manage the account. 
This was extremely embarrassing and financially harmful. I rely on this card for basic living expenses and was left without access to credit during a time I needed it most. Commerce Banks actions were unfair, deceptive, and harmful, especially since I upheld my part of the agreement by paying my bill on time. 
I believe Commerce violated multiple consumer laws, including : FCRA ( Fair Credit Reporting Act ) No adverse action notice was provided ECOA ( Equal Credit Opportunity Act ) No explanation was given for account termination TILA ( Truth in Lending Act ) Accepted payment post-closure without disclosure UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) I am requesting : Full forgiveness of the remaining balance Monetary compensation of at least {$750.00} for stress, disruption, and financial harm Written confirmation that no negative information will be reported to credit bureaus A formal explanation for why the account was closed This situation has impacted my finances, peace of mind, and trust in the banking system. It is unacceptable to treat a verified customer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: ID Analytics, Inc.
State: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX  Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CBC Companies, Inc.
State: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MO

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 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