vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. These inquiries, made without my consent, have caused direct and measurable harm to both my credit standing and credit score. 

I previously contacted your agency and was assured these entries would be removed ; however, they remain on my report. This continued inaction is unacceptable. 

The ongoing presence of these potentially fraudulent inquiries raises serious concerns about identity theft and is causing me significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TENET HEALTHCARE CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX continues to call me at XXXX a.m. from XXXX after asking them to stop multiple times in the last several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please unfreeze my credit files and remove the fraud alerts from my credit reports.

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 2025-07-25 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: TX

Complaint narrative:
Please unfreeze my credit files and remove the fraud alerts from my credit reports.

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 2025-07-25 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: TX

Complaint narrative:
This correspondence serves as an official dispute of an inaccurately reported late payment. I have conducted a detailed review of my personal records and can confirm that all obligations were satisfied on time during the period in question.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

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 XXXX 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 toXXXX XXXX Code XXXX - 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 : ( XXXX ) 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. XXXX XXXX XXXX XXXX - 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 explanation
Consumer complaint received 2025-07-25 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:
XXXX, Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Under XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts XXXXXXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately

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 2025-07-25 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:
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 2025-07-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I signed up for direct deposit by filling out the Bank of America XXXX form and submitting it to my company on XXXX. Despite this, my company still elected to send my check in the mail. On XX/XX/XXXX I walked into Bank of America at XXXX XXXX XXXX XXXX, MA and deposited my paycheck in the amount of {$3500.00}. I was told it would be available next business day by XXXX EST. A few hours later I check the Bank of America Mobile App which told me my funds were on hold until XX/XX/XXXX. I called Bank of America and spoke to a representative on XX/XX/XXXX who told me that the issue was that my employer 's bank had not yet sent the money and had notified them that they wouldn't be sending the money until XX/XX/XXXX. I now know this was untrue. The representative told me that if I could have my employer contact their bank to release the funds earlier, I'd have my funds immediately after them doing so. I contacted my employer on XX/XX/XXXX and told them the situation and they confirmed that they had contact their bank and that funds were already sent to and received by Bank of America. On XX/XX/XXXX I called Bank of America back and told them that I needed my money and they had no reason to be holding it after my employer 's bank had told me they already sent it. The BofA representative told me " I can make {$300.00} available as a CREDIT and when you get access to your funds we're holding, we will deduct it from that amount ''. Being in a desperate situation, I accepted the offer. On XX/XX/XXXX I called back to see what was going on and to try to get the hold released again. I spoke to multiple representatives and ( XXXX ) managers throughout this process. Nobody was able to give me a reason why my funds were held. Here are some relevant facts : XXXX. My account is not new, it has been open since XXXX XXXX. I have no history on my account of any fraud, returned checks, or uncollected funds XXXX. I have cashed other paper checks on this account with no issue XXXX check I deposited was not altered or damaged in any way XXXX. My employer 's bank has sent information validating that Bank of America received ALL FUNDS -- {$3500.00} on XX/XX/XXXX. 
XXXX. I believe this issue points to a much larger compliance issue where BofA is illegally holding client funds without legal basis in order to make profits and enrich shareholders. 
XXXX. I believe Bank of America may try to retaliate against me for making this complaint and bringing this to light.

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 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: LA

Complaint narrative:
My XXXX tax return was deposited into my old cash app account on XX/XX/XXXX I have the account routing number and account number and my cash tag i dont know the email and phone number cause its a old account that I dont use im trying to get cash app to transfer my funds into my new account with is XXXX in my old and im having promblem because the email and phone number its a old account i jus want to transfer my money to my new account my address is still the same birthday ssn I just want my money please my old cashtag XXXX my new one XXXX I dont have my card anymore call me please XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WI

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached FTC report.

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 2025-07-25 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: WI

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX

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 2025-07-25 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: TX

Complaint narrative:
Upon examining my credit file, I discovered a reported late payment that is inconsistent with my payment history. I have never missed a due date during the timeframe referenced, and I maintain all payment confirmations in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I acquired an auto loan from XXXX XXXX. The company and I agreed upon a settlement for the vehicle I purchased. After the settlement was paid and I received the title the company ( XXXX XXXX ) has the transaction listed on my credit report as a repossession. When I contacted the company about this matter I was told that my account is closed and there is nothing that they can do about the false information on me credit report.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A Bank of America account was open without my knowledge and has a balance thats stopping me from opening a bank account

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 2025-07-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I am missing 10 months data from my student loan payment count history - the months between XX/XX/XXXX and XX/XX/XXXX are missing - meaning they aren't noted in my account/file in any status. This period of time has already been certified as a period of eligible employment ( certified XXXX/XXXX ) and i was working and making payments before and after this time period. I called XXXX and they said they couldn't find these records either and to contact FSA - FSA during XXXX of my many calls to them said this information must come from XXXX. I am being told that my reconsideration request regarding this error would be handled in approximately 90 days but that time frame has already passed. I should be eligible for public service loan forgiveness at this time and my payment count must be updated. Please see below for the gap and missing months. I also submitted a buyback request that has been pending since XX/XX/XXXX. An accurate payment count is important as these missing months, had they been reflected in my account, would have qualified me for public service loan forgiveness an entre year ago. 

To further clarify and summarize : I am totally missing records ( presumably of eligible payments since I was in a period of already certified eligible employment during these months ). Records are missing for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Any other month in my records have a designation regarding their eligibility for public service loan forgiveness- for example, in forbearance, qualifying payment made, etc. However the missing months contain absolutely no data. 

The servicer of my loans during the period of time of the missing months was DIRECT LOAN SERVICING CENTER ( ACS ). They administered my loans from XXXX. As they don't exist there is no way for my to try to request my missing payment data for the missing months in XXXX and XXXX from them - again as I already noted, XXXX says they don't have them and told me to contact my prior servicer to get the records. 

I graduated and entered repayment in XXXX. I have been diligent with updating my periods of XXXX eligible employment and those employment certifications are in my XXXX file. During the period of missing data I was employed full time by a XXXX eligible employer. 

I am being passed back and forth between both agencies ( XXXX and XXXX ) and both parties refuse take responsibility and correct my data/records.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief