vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I sent a wire transfer through XXXX money transfer services to a XXXX XXXX, who cancelled the transaction and returned the funds. After requesting XXXX return the funds they stated that their intermediary Bank Of America are the only ones who can return my funds. Bank of America has no contact information for non members making it impossible to retrieve my funds. Attached are the XXXX transfer information and XXXX along with the cancelation/ return slip from XXXX the recipients bank. 

Please help me retrieve my funds from Bank of America!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
These loans have been deemed to be in forbearance and should not be reported as late, and should also be removed as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my XXXX XXXX and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
CFPB XXXX XXXX There is information on my consumer report that is a result in identity theft. I did not provide written permission or instructions for identification transactions to be reported on my consumer report am requesting that the reporting of this information be blocked and deleted, My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Equifax Demand for Deletion of Inaccurate Accounts Pursuant to the FCRA and Remedy for Breach of Consumer I am writing to formally demand the immediate deletion of inaccurate and unverifiable accounts listed on my XXXX XXXX as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Despite my efforts to dispute these accounts, Equifax has failed to conduct a timely and thorough investigation within the required XXXX timeframe. Your failure to comply with federal law and maintain the integrity of my personal credit information is unacceptable. Violations of XXXX Rights XXXX Failure to Investigate Disputes in a Timely Manner : I disputed on [ XX/XX/XXXX ]. However, more than XXXX days have elapsed since my initial dispute, and no resolution has been provided. Under XXXX XXXX. XXXX ( a ) ( XXXX ), Equifax is required to complete an investigation within XXXX days. By failing to adhere to this statutory requirement, you have violated my rights as a consumer. XXXX. Inaccurate XXXX of Accounts : The following accounts remain on my report despite being inaccurate, unverifiable, or fraudulent : Equifax has not demonstrated the ability to verify these accounts as accurate and complete, as required under XXXX XXXX. XXXX ( b ). XXXX. Negligence in Protecting My XXXX XXXX : As a victim of XXXX XXXX data breach, my personal information was exposed due to your companys negligence. This breach has further compounded the harm caused by your inaccurate reporting, leaving me vulnerable to fraud and identity theft. I attached the previous disputes along with the previous FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One Quicksilver {$3600.00} Capital One XXXX XXXX XXXX balance unknown account has been placed in charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate XXXX XXXX  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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-03 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint against Equifax for failing to take action on an identity theft dispute I submitted more than 30 days ago. Despite sending the necessary documentation, including an FTC Identity Theft Report, a copy of my government-issued ID, proof of address, and dispute letters requesting removal of fraudulent accounts, Equifax has not updated or corrected my credit file. 

On XX/XX/year>, I submitted to Equifax all documentation required under Section 605B of the Fair Credit Reporting Act ( FCRA ), which legally obligates credit reporting agencies to block fraudulent information within four business days upon receipt of proper documentation. It has now been over 30 days, and the following fraudulent accounts still appear on my credit report : XXXX XXXX Acct # ending in XXXXXXXX XXXX XXXX XXXXcct # ending in XXXX XXXXXXXX XXXX Acct # ending in XXXXXXXX XXXX XXXX  Acct # ending in XXXX XXXX XXXX XXXX Acct # ending in XXXX These accounts were fraudulently opened in my name without my knowledge or consent. I have included the full FTC Identity Theft Report ( Report # XXXX ), which outlines the crimes committed against me, along with supporting documentation that proves my identity and current address. These documents are attached to this complaint.

Additionally, I submitted a separate letter requesting that inaccurate addresses be removed from my file, which has also not been acted upon. This includes outdated listings that no longer pertain to me.

Equifax violates of : FCRA 605B, by failing to block fraudulent information promptly.

FCRA 1681e ( b ), by continuing to report inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
* * To Whom It May Concern, * * I am writing to file a formal complaint against * * XXXX XXXX XXXX XXXX XXXX ) * * in regard to their handling of my auto loan account and the impact it has had on my credit report. 

I financed a XXXX XXXX XXXX XXXX and enrolled in * * auto pay * * through their online portal. However, the system consistently failed to process my payments, and I was inexplicably * * locked out of the online payment platform * *. Despite numerous phone calls and assurances from XXXX representatives that my access had been restored and there were no issues on their end, I remained unable to make payments through their portal. 

Due to this continued issue, I resorted to using * * XXXX XXXX  XXXX XXXX system * * to ensure timely payments. I began using this method around * * XX/XX/XXXX * *, setting up automatic payments for the full monthly amount. Unbeknownst to me, XXXX had applied * * late fees of \ {$40.00} * * for XXXX slightly delayed payments early in this transition, and I was * * never notified * * neither by mail nor electronicallyof any issues. 

Only after discovering * * negative marks on my credit report * *, which caused a * * XXXX drop in my score * *, did I reach out again. It was then revealed that * * XXXX had the wrong mailing address on file * *, despite having had multiple conversations with them previously. The address was only corrected in * * XX/XX/XXXX * *, and until then, I had not received a single paper notification or late notice. 

I have a * * consistent 100 % on-time payment history * * prior to this isolated issue, which was entirely caused by XXXX  system failures and internal mismanagementnot by any neglect on my part. I have made multiple requests to have the negative credit reporting * * removed * * or * * amended * *, and Ive been told theres nothing XXXX can do, despite the clear systemic failures on their part. 

This situation has caused unnecessary damage to my credit over * * \ {$80.00} in late fees * * I was never made aware of and was not given a fair opportunity to correct due to XXXX  lack of access, miscommunication, and failure to properly notify me. 

I respectfully request the * * removal of the negative credit reporting * * from my record and the opportunity to restore the accurate and fair representation of my credit history. I am willing to continue using XXXX portal if access is restored, as I have requested * * five times or more * * with no resolution. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: VA

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 2025-07-03 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: VA

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 non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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