vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: OH

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

1681c2 ) that you, the TransUnion 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 : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} 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, XXXX as proof from the XXXX 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 2025-08-08 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: NY

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I helped someone open an experian account in XXXX & used my credit card to pay for the membership. The experian account is under their name, but using MY credit card for monthly payments. I attempted to call to get this removed as this person has dropped off, no contact. However, i cant get ahold of a real person to help resolve this and do not have the persons information to access the account and remove my payment method. I cancelled my card and got a new one in hopes of stopping the subscription. I disputed the charge with my credit card company and experian basically said we cant help you and denied looking into it further. I need help contacting them to remove my credit card from this persons experian account. I have had no luck reaching anyone and they dont care to help look into this issue.

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 2025-08-08 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: SLM CORPORATION
State: MI

Complaint narrative:
SALLIE MAE XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Today XX/XX/year> I was called and spoken to very abusively, demeaned and belittled. I was on the line with my mother and only asked to give a call back when I was available. My bank card had to be replaced and I didnt have a physical card yet. He refused to hang up and started belittling me for the debt. The agent was very rude and I advised I didnt want to deal with him. I got upset hung up. I called back he answered and his manager got on the line and continued to verbally abuse me. Saying things such as If youre not gon na pay this just tell us so we can stop calling you. I know you dont care because you only paid {$150.00}. Were not customer service. Were a debt collector Refusing to help or set anything up nicely. They will not be receiving anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-08 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:
I am formally disputing the accuracy, legality, and reinsertion of the following account being reported on my TransUnion credit file : -- - Furnisher : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : XXXX  ( Credit Card ) Date Opened : XX/XX/year>2025 Balance : {$0.00} Status : Closed Late 60 Days Date Last Active : XX/XX/year>2025 Date of Last Payment : XX/XX/year>2025 Last Reported : XX/XX/year>2025 Comment : Account closed by consumer -- - Dispute Grounds : Illegal Reinsertion Previously Deleted ( FCRA 611 ( a ) ( 5 ) ( B ) ) This account was previously disputed, investigated, and deleted in XXXX and again in XXXX. 
Re-reporting this item without proper notice is a violation of the FCRA. You are required by law to notify me within 5 business days if a previously deleted account is reinserted. I never received this notification.

2. Factual Inaccuracy Contradictory Reporting This account is factually inaccurate and misleading for the following reasons : The balance is {$0.00}, status is closed by consumer, yet it reports a 60-day late, which is logically and factually inconsistent.

If the account was closed and paid off, no new delinquencies should be reported post-closure.

Payment status and dates contradict each other and create a false narrative of my credit behavior.

3. No Permissible Purpose to Report Inaccurate Data ( FCRA 1681b ) XXXX and TransUnion have no permissible purpose to continue furnishing inaccurate, incomplete, and damaging information about a closed account. This is not only misleading but a direct violation of my privacy and consumer rights.

4. Violation of XXXX XXXX Compliance / Maximum Accuracy ( FCRA 1681e ( b ) ) The account is only reporting to TransUnion and not to XXXX  or XXXX. The XXXX XXXX standard, which you are obligated to follow as a data furnisher, requires uniformity and maximum accuracy across all credit reporting agencies. Selective and inconsistent reporting violates FCRAs accuracy provisions. 
5. Continued Reporting Creates Consumer Harm and Liability The reappearance of this item is causing measurable harm, including denial of credit opportunities and unfavorable terms. Continued willful noncompliance opens you and the furnisher to liability under FCRA 1681n ( willful violations ) and 1681o ( negligent noncompliance ).

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 2025-08-08 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: MS

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because Bank of America closed my personal bank account without prior notice or explanation. As a recipient of Social Security XXXX XXXX ( XXXX ), I rely on direct deposit into this account to pay for critical needs, including life-saving medications. 

On or around XX/XX/scrub>, 2025 I discovered that my account was closed, and I have been unable to access my XXXX  XXXX funds. I was not notified in advance, nor was I given a clear reason for the closure. When I contacted the bank, representatives informed me that they would not provide details, and I still have not received the balance of my account which was {$110.00} and it prevented me from receiving my XXXX check of {$3300.00} deposited from Social Security on XX/XX/scrub> 2025. 

This action has caused me significant hardship. Blocking access to Social Security benefits violates federal protections under : * 31 CFR 212 ( Garnishment of Federal Benefits ) * Electronic Funds Transfer Act ( EFTA ) * and potentially anti-discrimination laws, if my XXXX status contributed in any way to the closure or denial of access. 

This situation is urgent due to my ongoing medical needs. I have been a compliant banker, BOA even rewarded me with a bonus ( of {$300.00} ) for meeting all their TOS requirements a few weeks ago. I am requesting a prompt investigation and resolution. 

Thank you so much for your attention to this matter. 

Sincerely,

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 2025-08-08 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:
My account has no history of lateness, making this report both misleading and incorrect. I ask for its removal.

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 2025-08-08 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: CA

Complaint narrative:
I have never been able to successfully get a credit report from equifax even though XXXX  and XXXX are fine. In XXXX, I called and the rep informed me that my social security number was incorrectly linked to a different person and that's why I've never been able to confirm my identity with equifax to get my info. They instructed me to send a physical letter to their office to correct my info so I did, and have not received any correction thus far. I tried calling Equifax again on XX/XX/XXXX, but they simply said they can not confirm my info, neither online nor over phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Flexible Finance, Inc.
State: TN

Complaint narrative:
I have a Flex account to pay rent with. I had {$280.00} left over after I paid my rent. On XX/XX/year>2025 I went into the flex app to transfer {$7.00} to my virtual wallet ( XXXX XXXX ). Those funds werent added to my XXXX XXXX wallet because XXXX XXXX doesnt accept refunds flex. I didnt know this information until I called XXXX XXXX support to see why I wasnt able to receive my funds. They advised that they declined it and to contact flex for further assistance as its not on their end. I went submitted my first ticket for this problem. Their app stated I would get a response within 24hrs. I never got a response back for the first ticket. I then opened flex and added a different bank card on file to see if I could withdraw my funds to that card. It was successful and it withdrew XXXX onto my bank card almost immediately. I then withdrew {$15.00} and somehow it went to the previous card on file even tho I changed the card number. ( You can only have one card linked at a time ) I proceeded to submit two more tickets regarding the {$7.00} transaction and the {$15.00} transaction. Both tickets stated I shouldve received a response within 24hrs. I didnt get a response until XX/XX/year>2025 which is over 48hrs. Flex Finance essentially told me that they couldnt refund my money and to contact XXXX even tho I told them what XXXX told me. XXXX  nor Flex Finance will refund my money. Its like it vanished into thin air and both parties are trying to avoid accountability for their errors in transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX Bank of America Account No. XXXX XXXX XXXX XXXX The history is as follows ; In XX/XX/year> I met someone on a dating website called XXXX. His name is XXXX XXXX ( fraudulent name ) and he lives in XXXX XXXX. Over the course of XXXX thru XXXX. We text and talked on the phone almost daily. During this time XXXX shared that he traveled to XXXX  for his XXXX XXXX to fix a large XXXX At some point in XXXX he was distressed because his insurance funds were not being released to him to purchase parts. He said he had a large payout. He asked if I could loan him money until he got back to Minnesota to deposit his insurance check and at that time he would reimbursement me. The first transaction was on XX/XX/year> for {$62000.00}. I went to my bank, which is XXXXXXXX XXXX  and got a cashiers check for that amount. I then went to Bank of America for a wire transfer. The second transaction was about a week later and was for {$53000.00}. The third transaction was on XX/XX/XXXX for {$28000.00} for a grand total of {$150000.00}. The cashier 's checks were requested to be in the name of XXXX XXXX XXXX XXXX XXXX Bank of America Account No. XXXX XXXX XXXX XXXX. 
I am attaching the Police Case file that I filed with my local Police Department that investigated for nearly two years. And copies of the three cashiers checks. You will see in as part of the police investigation that XXXX XXXX is seen accessing the account and moving the funds. It is clear the BofA account set up is/was for scamming and money laundering yet BofA does not follow laws to protect victims such as myself.

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 2025-08-08 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: NJ

Complaint narrative:
In XX/XX/XXXX, I filed a formal dispute with Equifax regarding a reported 90-day late payment for XX/XX/XXXX. This negative mark is completely unverified, lacks any supporting documentation, and is inconsistent with other credit reports. I specifically asked Equifax to provide verificationwhat documents were used, what process was followed, and who verified the alleged late payment. 

Equifaxs response was a generic description of their general dispute process. They did not provide the actual documentation used to verify my dispute, did not identify the individual or department who confirmed the late status, and did not explain how they determined the account was 90 days late without providing proof to me.

This is a violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i ( a ), which requires reasonable reinvestigation and disclosure of the verification process when disputed. A different reporting of the same account appears across bureaus, which further shows inaccuracy.

This transaction should be excluded from my credit report if Equifax can not provide proper verification. I am demanding that the XX/XX/XXXX 90-day late payment be corrected to reflect a positive status, such as Paid as Agreed or OK, in compliance with the Fair Credit Reporting Act. I expect full documentation proving the accuracy of the late payment or its immediate correction.

Company response to consumer: Closed with non-monetary relief