vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The BofA card was closed by the bank in XXXX, XXXX, for no good reason. 
BofA followed the XXXX steps in ruining my credit, my business, and my health, All three banks XXXX, BofA, XXXX, whose credit cards I had, all in perfect standing, have been repeatedly warned that there would be no payments for the cards I could not use, And that they should close the accounts and assume responsibility for the unpaid bills, becasue, having ruined ruined my credit rating, my business, and my health, they left me with no means to pay them ever, But all 3 banks have shut my accounts and began bombarding me with fees and interest charges, despite my repeated CEASE AND DESIST LETTERS. 
Just yersterday BofA issued a bunch of credits for their fraudulent charges of interest and " reminded '' me that my payment of some $ XXXX is due, The response, which arrived minutes later that the message informing me that my complaint was being reviewed, is written either by a poorly programmed robot OR by an incompetent trainee who has not read, nor understood my complaint. To repeat one last time : I AM NOT RESPONSIBLE FOR ANY AND ALL CREDIT CARDS SHUT OFF FOR NO REASON OTHER THAN TO ACCUMULATE INTEREST AFTER THE CARDS IN A PERFECT STANDING HAD BEEN CLOSED ONE BY ONE BY XXXX, BANK OF AMERICA, and XXXX ( now XXXX XXXX ). 

XXXX began this criminal mishandling of my accounts, thereby initiating the loss of my business and demis of my credit rating. Bank of America and XXXX followed the suite , leaving me stuck in XXXX with no ability either to fly back to XXXX to treat a serious condition or even to pay for a XXXX in XXXX, where it is much-much less expensive, SO, ALL OF YOU GREEDY AND DISHONEST CREDITORS - XXXX, BANK of AMERICA XXXX and XXXX XXXX, NO THANKS TO YOU, I AM LEFT WITH NO BUSINESS, NO INCOME, NO SAVINGS, NO ASSETS, AND TOTALLY WORTHLESS CREDIT RATING. 

MY ONLY INCOME IS $ XXXX XXXX PAYMENTS XXXX I HAVE NOT BEEN ABLE TO COME HOME TO USE MY XXXX FOR MEDICAL TREATMENT AND TO FILE FOR BANKRUPTCY. SO, THERE WILL BE NO PAYMENTS, NO PHONE CALLS, AND NO MORE DISCUSSIONS OF ANY SORT. 
CEASE AND DESIST! CEASE AND DESIST! CEASE AND DESIST @

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 2025-09-01 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate personal information that is currently appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a thorough investigation and the immediate removal of the incorrect information detailed below. 

The following personal information is inaccurate and not associated with me : Incorrect Name : The name " XXXX XXXX XXXX is listed as an alias or " Also Known As. '' This is an incorrect name, and it should be removed from all my credit files. 

Incorrect Previous Address : The address " XXXX XXXX XXXX XXXX XXXX, AZ XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

Incorrect Previous Address : The address " XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

The presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may be negatively impacting my credit report. I have already contacted the credit bureaus directly, but the information has not been corrected. 

I kindly request that you take action to investigate this matter and compel the credit bureaus to remove this false information from my credit file immediately. I have attached copies of my driver 's license, social security card, and recent utility bill to verify my true identity and current address. 

Thank you for your time and attention to this important matter. I look forward to your prompt response and a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate personal information that is currently appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a thorough investigation and the immediate removal of the incorrect information detailed below. 

The following personal information is inaccurate and not associated with me : Incorrect Name : The name " XXXX XXXX XXXX is listed as an alias or " Also Known As. '' This is an incorrect name, and it should be removed from all my credit files. 

Incorrect Previous Address : The address " XXXX XXXX XXXX XXXX XXXX, AZ XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

Incorrect Previous Address : The address " XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

The presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may be negatively impacting my credit report. I have already contacted the credit bureaus directly, but the information has not been corrected. 

I kindly request that you take action to investigate this matter and compel the credit bureaus to remove this false information from my credit file immediately. I have attached copies of my driver 's license, social security card, and recent utility bill to verify my true identity and current address. 

Thank you for your time and attention to this important matter. I look forward to your prompt response and a swift resolution.

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 2025-09-01 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: VA

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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-01 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: IL

Complaint narrative:
I am a victim of data breach which has left me feeling vulnerable and distressed, inaccurate accounts were opened in the incorrect name without my knowledge or consent causing significant harm to my credit standing. I am determined to take the necessary action to clear my name, protect my identity and restore my financial well-being. I am requesting these negative accounts, incorrect names and addresses be removed from my credit profile as they do not reflect my financial history. I have attached my FTC report and copy of my verification of my correct name and address.

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 2025-09-01 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: VA

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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-01 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: VA

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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: GA

Complaint narrative:
cashapp transaction -- -- XX/XX/year> my daughter was wrongly arrested, then someone called and stated he worked for the XXXX XXXX and I needed to pay {$3600.00}, the payment was requested 6 times, I unfortunately paid the money -- I received all my payments back except the one that posted to Cashapp, I have been trying to get my monies back, the caller XXXX caught me at terrible time I had no idea what was going on, I fortunately found out within minutes of paying this swindler it was a scam, I cancelled, requested my funds be returned, and I have not received my monies -- -Cashapp should close this person acct and return my money -- they have NOT done anything -- -I live off a fixed income I can NOT afford to pay someone who lied to me -- I am heartbroken that this happened -- -Please try to assist me and help to return my monies to me ASAP!!!! this is a heart ship for me -- -I was used by XXXX XXXX the receiver ) who has an acct with Cashapp and he has not been held responsible for literally stealing my money -- -Pleas Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
b'I started receiving invoices for a credit card that I do not recall setting up about XXXX XXXX  years ago.  It was with Synchrony Bank for Amazon purchases.  I had never heard of \nSynchrony Bank at the time.  \nWhen I explained that this must be a fraudulent account, they said they would look into it and let me know what they find.  They never contacted me and started sending invoices again.  I went through this about 4 times, with them saying they would get back with me and failing to do so.\nIt started with about $XXXX  and now is $XXXX.  Apparently, they have charged excessive fees and penalties.  They have turned it over to a collection company, Client Services Inc.  Their phone number is XXXXXXXX XXXX XXXX XXXX XXXX  year old veteran and I am tired of being harassed by these people.  Please 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 2025-09-02 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-02 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am filing this complaint because Experian has willfully violated the Fair Credit Reporting Act ( FCRA ) by verifying inaccurate information and re-aging a delinquent account to remain on my credit report beyond the 7-year reporting limit. 

I disputed XXXX  XXXX XXXX account ( XXXX ) with all three major credit bureaus. 
Both XXXX and XXXX  promptly deleted the account after determining it was obsolete ( over 7 years old ). 
However, Experian verified the account as accurate and updated the reporting information, but changed the account to make it even more inaccurate.. 
Experian illegally changed the Date of First Delinquency ( DOFD ) / Date of Last Activity to make the account appear newer than it is. 
The account was due to fall off in XX/XX/year>, but Experian manipulated the reporting dates to extend its presence on my credit report. 
This constitutes re-aging, a direct violation of FCRA 605 ( a ) and FCRA 623 ( a ) ( 5 ).

Harm Caused : The inaccurate reporting has negatively impacted my creditworthiness, score, and ability to obtain fair credit. 
This creates consumer harm by misrepresenting the legal reporting period of my credit history.

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 2025-09-01 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 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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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