vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-11 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: IN

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 2025-09-11 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. My dispute included : Several Depted XXXX student loan tradelines with inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX accounts misreported despite showing as current. 

XXXX XXXX XXXX  account misreported as a charge-off with no payment history. 

Multiple public records ( dismissed bankruptcies ) listed with incomplete and unverifiable details, including vague court identifiers and missing liability amounts. 

Multiple unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Inaccuracies in my personal information ( incorrect name spelling and addresses ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable investigation into all disputed items. To verify my identity, I included copies of my government-issued ID, Social Security card , and proof of address with my dispute letter. Despite providing all required documentation, TransUnion failed to conduct a proper investigation or provide adequate verification of the disputed accounts, inquiries, public records, and personal information. Instead, TransUnion ignored my dispute and continued reporting the same inaccurate information, which constitutes a direct violation of FCRA 1681e ( b ) and 1681i.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I went into the local XXXX on XX/XX/year> to finish opening an account today as I was having issues doing so online from a few days prior, and I'm taken into a cubicle and put in front of an employee to describe the situation and hopefully remedy it. This bank already had a decent bit of my starter money and I was just depositing my next check right there. That went through just fine. The employee goes onto the phone to retrieve a lot of info about why I wasn't able to open an " online account '' with the company ; online and phone banking are not working at all, and she's informed of my previous account with the company where I was subject to a very advanced scammer and have pretty much been held responsible for it, since. It's a tad strange because after the insurance process was handled previously, I was asked if I wanted to keep my account with them. I already had a new one with XXXX while we were still handling things so I declined. I now decided to come back for the sake of distance, they were able to just hold onto {$230.00} via a check deposit for days now while refusing to have me as a customer. My XXXX " debit '' card doesn't even work. Their employees are also very rude and indifferent to any issues of their customers, despite how kind you try to be. Essentially the worst bank I've ever dealt with.

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 2025-09-11 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I sent a formal debt validation letter to Portfolio Recovery Associates ( PRA ) regarding account number ending in XXXX. I sent this letter via certified mail, and I have a record of its receipt.My letter requested that PRA provide specific documentation to validate the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, all collection activities must cease until the debt is properly validated.Instead of providing the requested validation, PRA first responded with a settlement offer dated XX/XX/XXXX. This appears to be an attempt to bypass my rights under the FDCPA and pressure me into a payment agreement before the debt was properly verified.After I did not respond to their settlement offer, PRA sent additional documents dated XX/XX/XXXX. While some documentation was included, their initial attempt to offer a settlement in place of validation caused confusion and can be interpreted as a violation of my FDCPA rights. I believe this practice is deceptive and undermines the consumer 's right to proper debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX has a XXXX % cash back deal on XXXX XXXX in XXXX. I activated the deal and made a purchase of {$43.00} at a XXXX XXXX store on XX/XX/XXXX. After I didn't get the cash back, I called them on XX/XX/XXXX. The associate told me that I should get the cash in XXXX business days. I didn't get cash back. On XX/XX/XXXX, I called them again. This time the associate XXXX, who is based in XXXX, told me that it is because the deal is for " online only ''. But I showed him by sharing my screen that the deal is " In Store Only '' as shown in my app. He didn't promise to credit me the cash back. He just told me to wait because they need to do research. This is after I clearly showed him that the purchase is eligible for cash back. I should not wait for them to fix their system. After wasting almost an hour with XXXX, I asked to speak to a supervisor. The supervisor XXXX again refused to credit me the cash back right away even after he admitted that the purchase is eligible. He asked me to wait XXXX business days then call again. He didn't make any promise that I will get the cash back.

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 2025-09-11 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On [ insert approximate date you first noticed the account, XX/XX/year>, I reviewed my credit report and discovered a collection account being reported by LVNV Funding, LLC c/o Resurgent Capital Services . The account was listed as a collection tradeline in the amount of {$580.00}, which I did not recognize and have no record of ever owing. 

Following this discovery, I took the following steps : XXXX. Dispute with Credit Bureaus : I filed disputes with the credit reporting agencies to verify the accuracy and validity of this collection account. 
XXXX. Company Response : Despite my dispute, the company continued to verify and report the account without providing me with documentation or evidence proving the debts validity or my legal obligation to pay. 
XXXX. Impact on Me : As a result, this unverifiable and inaccurate collection account remains on my credit report, negatively impacting my creditworthiness, lowering my score, and affecting my ability to qualify for fair credit opportunities. 

To date, I have not been provided with sufficient documentation or validation that this debt is legitimate, accurate, or lawfully collectible. For this reason, I am requesting the complete removal of the collection account from all three major credit reports to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/year> ) Account XXXX XXXX XXXXXXXX Routing XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-11 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: IL

Complaint narrative:
I recently checked my credit report and found that my personal data has been exposed and compromised. I am aware of the multiple breaches that has been hacked and tampered with. Im also a victim of identity theft which is very unfortunate and has caused unnecessary problems for me, mentally and physically. My entire credit report is inaccurate with collections, inquiries, accounts and balances that Im completely unaware of, or where they came from. According to the 15 U.S.C 1681 law, there should not be any damages on my report its a defamation to my character!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 checked my credit report and found that my personal data has been exposed and compromised. I am aware of the multiple breaches that has been hacked and tampered with. Im also a victim of identity theft which is very unfortunate and has caused unnecessary problems for me, mentally and physically. My entire credit report is inaccurate with collections, inquiries, accounts and balances that Im completely unaware of, or where they came from. According to the 15 U.S.C 1681 law, there should not be any damages on my report its a defamation to my character!

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have several transactions on my account that I disputed with Citizens Bank from XXXX XXXX with XXXX XXXX XXXX. The bank has refused to credit my account for the charges stating that I used the merchant in the past. Yes, I have used the merchant in the past but not on the date of the charges listed. It was not normal for my account to be overdrawn by a large amount. I never received a fraud alert to my mobile number to notify so that I could lock my card to prevent the multiple transactions. I asked the company to reach out to the merchant to confirm if I made the charges on those dates and Citizens refused denying my claim stating those are my transactions.

Company response to consumer: Closed with explanation