vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This company continues to provide me with irrelevant information to be able to respond to the alleged debt, I have no knowledge of this company XXXX XXXX and never entered into an agreement with this. This is the info that I am requesting and they continue to send statements from another company with the wrong amount, there are not statements from security first that I took out credit with them or the required info from the previous company which I am unaware of these statements they could be made up and falsified. This has caused damages to my credit. 

Here is what I am seeking : I have no knowledge or you company and never entered into a contract or agreement with XXXX XXXX and do not owe this debt and disputing it validity. To properly address this issue I'm going to require : 1 ) Name and address of the original creditor 2 ) The amount of the alleged debt and how it was calculated through the entire life of the account 3 ) Itemized Statement of the alleged debt including every purchase made from the date the account was said to be opened 4 ) Proof of authorization to collect the alleged debt on behalf of the creditor 5 ) Complete and full purchase agreement amount of alleged debt for review including complete chain of title per FL law. ( NOT PROVIDED ) 6 ) Verification of debt is within the statue of limitation ( NOT PROVIDED ) 7 ) Alleged debt was not already put illegally on credit report an removed by prior companies ( NOT PROVIDED ) 8 ) How notice if this debt was sent or notified to me ( NOT PROVIDED ) 9 ) Contract you have with me that I entered into this debt with Portfolio Recovery and where in writing that I signed a contract ( NOT PROVIDED ) 10 ) Names of individuals/persons servicing this account for discovery purposes on handling the the alleged debt as they will be called upon to appear ( NOT PROVIDED ) 11 ) The amount and terms this specific account was purchased for agreement, not a blanket statement as this is an error for this specific account ( NOT PROVIDED )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This 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. 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CA

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

1681c2 ) that you, the 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
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 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-09-15 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:
I am filing this complaint regarding fraudulent Dept. of Education/XXXX student loan accounts that are being reported on my credit file.

Accounts in question : Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX I previously disputed these accounts through the CFPB on XX/XX/year>. Experian responded on XX/XX/year>, stating that there may be potential fraud involved. This admission confirms that the accounts are the result of identity theft.

Despite this acknowledgment, Experian and the furnishers have failed to block or remove these fraudulent accounts as required under the Fair Credit Reporting Act ( FCRA ) 605B. Instead, the accounts continue to be reported, causing ongoing harm to my credit and financial opportunities.

Why this is a problem : I never authorized or signed for these accounts.

They remain on my credit report despite being disputed as identity theft.

Experian has admitted there may be fraud but has taken no corrective action.

No legally required written results of a fraud reinvestigation have been provided to me.

since that date I have not received any documentation, validation, or final resolution from either Aidvantage or the CFPB complaint process.

This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) because : 1. If fraud is suspected, the furnisher must block or delete the account unless they provide verifiable documentation.

2. No original Master Promissory Note or payment history has been produced.

3. The accounts continue to damage my credit standing and misrepresent my financial profile.

What I want : 1. Immediate and permanent removal of the fraudulent XXXX student loan accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  ) from all credit bureau files ( Experian, Equifax, and TransUnion ).

2. Written confirmation that these accounts have been deleted under FCRA 605B ( fraud block ).

3. Assurance that these accounts will not be reinserted without full documentation and written notice to me as required by law.

I have also filed an FTC Identity Theft Report and can provide supporting documentation ( government ID, proof of address, FTC affidavit ).

The continued reporting of these fraudulent student loan accounts violates the FCRA and ignores Experians own recognition of potential fraud. I am requesting CFPB oversight to ensure these accounts are permanently deleted.

Attachments to upload with this complaint : FTC Identity Theft Report Copy of your ID Proof of address Screenshot or copy of Experians potential fraud response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am filing this complaint regarding fraudulent Dept. of Education/XXXX student loan accounts that are being reported on my credit file.

Accounts in question : Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX I previously disputed these accounts through the CFPB on XX/XX/year>. Experian responded on XX/XX/year>, stating that there may be potential fraud involved. This admission confirms that the accounts are the result of identity theft.

Despite this acknowledgment, Experian and the furnishers have failed to block or remove these fraudulent accounts as required under the Fair Credit Reporting Act ( FCRA ) 605B. Instead, the accounts continue to be reported, causing ongoing harm to my credit and financial opportunities.

Why this is a problem : I never authorized or signed for these accounts.

They remain on my credit report despite being disputed as identity theft.

Experian has admitted there may be fraud but has taken no corrective action.

No legally required written results of a fraud reinvestigation have been provided to me.

since that date I have not received any documentation, validation, or final resolution from either Aidvantage or the CFPB complaint process.

This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) because : 1. If fraud is suspected, the furnisher must block or delete the account unless they provide verifiable documentation.

2. No original Master Promissory Note or payment history has been produced.

3. The accounts continue to damage my credit standing and misrepresent my financial profile.

What I want : 1. Immediate and permanent removal of the fraudulent XXXX student loan accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  ) from all credit bureau files ( Experian, Equifax, and TransUnion ).

2. Written confirmation that these accounts have been deleted under FCRA 605B ( fraud block ).

3. Assurance that these accounts will not be reinserted without full documentation and written notice to me as required by law.

I have also filed an FTC Identity Theft Report and can provide supporting documentation ( government ID, proof of address, FTC affidavit ).

The continued reporting of these fraudulent student loan accounts violates the FCRA and ignores Experians own recognition of potential fraud. I am requesting CFPB oversight to ensure these accounts are permanently deleted.

Attachments to upload with this complaint : FTC Identity Theft Report Copy of your ID Proof of address Screenshot or copy of Experians potential fraud response

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 2025-09-15 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: DE

Complaint narrative:
I am a victim of identity theft. There are dozens of inquiries on my account that should not be there. There are also negative line items that are not mine. I have sent certified letters asking the be corrected and removed. They have not been. As well, the credit bureau have suffered data breaches and I gotten an alert from a different company my information is on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Somehow when I had Bank of America a few months ago someone got into my account and XXXX a lady name XXXX XXXX or something like that {$700.00} dollars. When I reached out to bank of america fraud department, they claim they investigated but they did not and locked me out of my account, never heard anything after that. Tried calling and get the run around all the time

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: MOHELA
State: TN

Complaint narrative:
I am trying to request my transcript from the school. They stated before I needed to pay XXXX dollars for the school fee I owed and then they would release it. Well I called back today to see if I could do that and they stated that now my debt ( which is XXXX XXXX XXXX ) is now being sent to a debt collector and I would have to contact them to pay the debt first before they will release my transcript. I have been given false information as to what I needed to do in order to get my transcript and now when I try to do what they told me to they come up with another reason on why they wont release it. Transcripts are not supposed to be withheld at all but this XXXX class that I withdrew from back in XXXX  was not federally funded, which was the whole reason it was withdrawn in the first place because I lost federal funds. Now when I was so close to finishing my degree I cant do that because I cant get all the years of classes I took that were federally funded because of a debt that they have sent to a debt collector. She stated that is XXXX XXXX policy and there is nothing she can do when in fact there is. They wont even give me an unofficial transcript until we figure out this balance owed. I am so overly frustrated with this whole process. I just want my transcripts that I worked hard for and am paying for in student loans!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The automated system for Experian will not allow me to speak to a person in membership. I was lucky XXXX time last year but the rep did not understand what my issue was. 

My issue : my Experian report keeps going XXXX points and back down XXXX points monthly. 

My other issue. My XXXX XXXX XXXX are out of date XXXX  years. No matter if I upgrade they continue to be out of date since XX/XX/XXXX. 

When I call to try to fix this, I get an automated system that makes it hard to speak to a live agent. And when I get a live agent they tell me call another number and say membership. And to no avail I cant get past the voice prompt because it says it can help me. Which it cant. Then it hangs up on me even after asking for membership live support and agent. I need to speak to a live person. 

They keep giving me canned answers as well when Ive reached someone in the past. Understand this is a known issue across the internet people have left reviews on how difficult it is to speak to a live person. 

All of these events have take place since XXXX. Today is XX/XX/XXXX and my reports havent updated since XX/XX/XXXX. But they claim its not their fault. I finally spoke to someone today in a different department who said its a system error and to speak to membership dept. they said call and say membership. But to no avail I cant reach anyone! This is my last resort. 

In order to see my reports it wants me to upgrade. But when I upgrade its still not accurate. Please do not brush me off by saying the other credit bureaus need to report accurately. Because they are on myFICO, and everywhere else for that matter. Im tired of their canned universal answers and that disregard that theres something wrong with their systems

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has decided to close my accounts, and I do not understand why. They refuse to explain the reason behind this decision. My payroll was deposited into the account, and I was supposed to receive my paycheck on Friday, XXXX. However, since the account is frozen, I currently do not have access to those funds. I have bills that need to be paid, but Bank of America has informed me that they will not release my money until the account is fully closed on XX/XX/XXXX. This situation is unacceptable, and I am now behind on two of my bills. I did not request the closure of my accounts ; I have been a loyal customer of Bank of America for a long time, and this behavior is both surprising and disappointing. I did not receive any prior notice or communication about this issue. I request the immediate release of my funds so I can pay my bills but they are refusing to release the funds to me. I asked if I could retrieve the funds at a location and they told me that I had to wait for a cashiers check in the mail which would take 5-10 business days. I spoke with the manager that actually insulted to me because he mentioned that I am living from check to check. I just need my money.

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