vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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

Complaint narrative:
This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information contained in my credit file maintained by Equifax and Experian. I am disputing a charge-off reported by XXXX XXXX, which does not appear on my credit report issued by XXXX. The inconsistency between the credit bureaus raises serious concerns about the accuracy, completeness, and reliability of this entry.

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 2025-07-07 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: NV

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 XXXXXXXX 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 Balance : {$4300.00}

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 2025-07-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im filing this complaint because there are multiple hard inquiries on my credit report that I did not authorize or initiate. The inquiries are from XXXXXXXX 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 XXXXXX/XX/XXXX. I never applied for credit with any of these companies, and I did not give them permission to access my credit report. These inquiries were made without my knowledge, authorization, or written consent, and they violate 15 U.S.C. 1681b of the Fair Credit Reporting Act, which prohibits the release of consumer reports without a permissible purpose. In the case of XXXX XXXX XXXX XXXX XXXX, the court held that reporting inquiries without a valid permissible purpose is a serious violation of consumer rights under the FCRA. Like in that case, I did not initiate any credit transaction that would justify these inquiries, and they have caused unnecessary harm to my credit profile and emotional distress. This constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I am demanding the immediate deletion of all unauthorized inquiries listed above and written confirmation once they have been removed from my 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 explanation
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charge on the following date:XXXX Since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts XXXX XXXX XXXX XXXX Account Number : 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 2025-07-07 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: TX

Complaint narrative:
This account was charge on the following date:XXXX Since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding multiple instances of missed appointments and failure to provide a promised follow-up. 

First, an in-person appointment was scheduled for XX/XX/year>, at XXXXXXXX XXXX. The purpose of the meeting was to discuss options for investing money. This appointment was time-sensitive. However, the appointment could not proceed as scheduled because the Fifth Third Bank representative was experiencing car trouble. I was instructed to leave a phone number with the understanding that the representative would call later to reschedule or proceed. This promised callback was never received. 

Subsequently, a phone appointment was scheduled for XX/XX/year>, at XXXX XXXX also to discuss options for investing money. No call was received from Fifth Third Bank at the agreed-upon time for this appointment. 

These XXXX separate failures to meet scheduled appointments and provide the promised callback demonstrate a significant lapse in Fifth Third Bank 's customer service and communication. The repeated missed appointments have caused inconvenience and prevented the customer from pursuing important financial planning related to investments. 

I am requesting Fifth Third Bank to investigate these matters, explain the reasons for the missed appointments and the unfulfilled callback promise, and implement measures to prevent similar issues from occurring in the future. I also requests the opportunity to reschedule these appointments promptly with a representative who can reliably fulfill the scheduled commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
1. Monthly payments were put to the oldest balance and for unseen reason the monthly payments were split to several billing or purchases. They are listed as " promotional balance ''.

2. On monthly statements it does not allow customers to direct where the payments are made by customers.

3.Why aren't oldest accounts settled or closed first and so on?

4. When customer makes monthly payments and on the next statement the customer see that previous payments were split on different " promotional balance '' or several of these " promotional balances ''?

5.On statements it lists " previous balance '' on which " promotional balance ''?

6. Charges of credit card agreement the use term " describe '' the promotional calculation. 
7. Go back, in XXXX  I paid in {$2600.00}, XXXX {$3300.00}, XXXX {$10000.00}, XXXX {$4900.00}, XXXX {$3900.00} and XXXX {$2600.00}. Never missed a payment.

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 2025-07-07 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: SC

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

1681c-2 ) that you, the Experian Credit Services , 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. 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 SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6400.00}

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I submitted a lawful debt validation and cease and desist letter to LVNV Funding LLC and Resurgent Capital Services in XX/XX/year>, regarding an alleged debt from XXXX XXXX 

They failed to comply with 12 CFR 1006.34 and 15 U.S.C. 1692g by not producing a signed agreement, proof of assignment, or ownership of the debt. Instead, they sent a generic billing statement. 

I also sent a remittance to XXXXXXXX XXXX XXXX XXXX in XX/XX/year>, which was not returned. Under UCC 3-603, this discharges the obligation. 

XXXXXXXX XXXX itself responded saying they do not service the debt and do not know which card the account belongs to. This further questions the legitimacy of the alleged obligation. 

Additionally, if the debt was securitized into a trust ( with XXXXXXXX XXXX as the indentured trustee ), it is no longer collectible by third parties without full disclosure and proof of standing. 

The company also failed to report the cancellation of indebtedness under IRS Code 26 USC 6050P, if applicable. These actions are unlawful and damaging to my credit and rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request through Portfolio Recovery Associates online dispute portal. I requested validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original signed contract, a complete chain of title showing the transfer of ownership, and a breakdown of how the balance was calculated. 

Today, XX/XX/year>, I received their response. It included only a generic bill of sale between XXXX and PRA that does not name me or my account, and a spreadsheet with basic account information. They did not provide the signed agreement, legal assignment, or full documentation required under the FDCPA or FCRA. 

Despite failing to properly validate the debt, PRA continues to report this account on my credit report. I am requesting the CFPB to require Portfolio Recovery Associates to delete this unverified collection and take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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

Complaint narrative:
I am reporting two fraudulent accounts on my credit report and requesting the be removed under 15 U.S.C. 1681 c-2 of the FCRA. I did not open or Authorize the following collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These are identity theft related and are negatively impacting my credit. I have attached a FTC report. 

Please take immediate action to investigate and ensure these accounts are blocked from 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 2025-07-07 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: FL

Complaint narrative:
I am reporting two fraudulent accounts on my credit report and requesting the be removed under 15 U.S.C. 1681 c-2 of the FCRA. I did not open or Authorize the following collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These are identity theft related and are negatively impacting my credit. I have attached a FTC report. 

Please take immediate action to investigate and ensure these accounts are blocked from reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX Hope you can address this soon, please.

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 2025-07-07 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: GA

Complaint narrative:
I am urgently requesting the removal of fraudulent accounts and addresses on my credit report due to Identity Theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Please block and permanently remove the following information : XXXX XXXX XXXX Balance {$6600.00}. XXXX XXXX Balance {$140.00}. XXXX XXXXXXXX XXXX Balance {$730.00}. XXXX XXXX XXXX {$600.00}. XXXX XXXX XXXX {$1000.00}.

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 2025-07-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this complaint because there are XXXX or more negative and/or charged-off accounts on my credit report that are being reported inaccurately, and this is having a serious negative impact on my creditworthiness, financial stability, and overall well-being. 
The following account ( s ) are in dispute : Creditor Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX Issue : inaccuracies on my credit report. 

I have attempted to dispute this information directly with the credit bureaus and/or the creditor. However, they failed to conduct a proper investigation or provide any meaningful verification or documentation to support the continued reporting of this account. 

These accounts are inaccurately reported, and this has drastically damaged my credit score, which in turn has made it difficult for me to : Qualify for housing and essential credit Obtain reasonable interest rates Move forward financially This situation has created unnecessary financial stress, and it continues to affect my ability to support myself and/or my family. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which requires that furnishers of credit information report only accurate and verifiable information.

I am requesting that the CFPB assist in ensuring that : A full and fair reinvestigation is conducted Any unverifiable or inaccurate information is immediately removed or corrected I am provided with all documentation used to verify these accounts I respectfully ask that this matter be escalated and resolved promptly, and that any violations of federal consumer protection laws be addressed accordingly.

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 2025-07-07 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and misleading information reported on my credit reports by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts are currently being reported as charge-offs with incorrect balances, and this information is severely affecting my credit standing and personal life. 

I enrolled in a debt settlement program through XXXX XXXX, under the impression that they would negotiate and resolve my outstanding debts in a way that would help me avoid long-term damage to my credit. At no point during the enrollment or communication process was I informed that my accounts would be allowed to go into charge-off status as part of the process. This lack of disclosure constitutes a failure in providing essential consumer information. 

Furthermore, the reporting of these accounts with inaccurate balances and the status of charge-off may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be complete and accurate.

Specifically, I believe this situation violates the following sections of the FCRA ( 15 U.S. Code 1681 ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s-2 ( b ) If a consumer disputes the accuracy of any information, the furnisher of the information is required to conduct a reasonable investigation and correct any inaccurate information. 

These inaccurate and misleading entries are damaging my ability to obtain credit, secure housing, and maintain peace of mind. I have disputed these entries with the credit reporting agencies and attempted to contact the creditors directly, but the information remains unchanged.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
Somebody opened this account in my name and has left an outstanding balance ( XXXX ) it was from XX/XX/year> thru XXXX The original company is XXXX XXXX I have tried to call XXXX XXXX but the number I have and call go straight to a voicemail and tells you to call back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my credit report

Company response to consumer: Closed with non-monetary relief