vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-23 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: TN

Complaint narrative:
Fraudulent accounts on mycreditreport : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, pursuant to the provisions of 15 USC 1681b. Specifically, I have reason to believe that you have furnished or obtained information about me without my written consent.

According to 15 USC 1681b, it is mandated that consumer reporting agencies such as yours must obtain written consent from individuals before disclosing or obtaining their credit information. I wish to assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and provide me with a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i, and provide me with a written response within XXXX XXXX as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2025-07-23 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, pursuant to the provisions of 15 USC 1681b. Specifically, I have reason to believe that you have furnished or obtained information about me without my written consent.

According to 15 USC 1681b, it is mandated that consumer reporting agencies such as yours must obtain written consent from individuals before disclosing or obtaining their credit information. I wish to assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and provide me with a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i, and provide me with a written response within XXXX XXXX as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am filing this complaint against Equifax for their refusal to reinvestigate and remove an inaccurate account from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is listed as XXXX XXXX XXXX XXXX XXXX XXXX 
I have submitted multiple disputes to Equifax over the past 90 days. 
TransUnion and Experian have both permanently deleted this same account from my credit file after reinvestigations, acknowledging the inaccuracy. 
On XX/XX/year>, Equifax sent me a response ( attached ) refusing to investigate further, calling the dispute frivolous, despite this new and material evidence. FCRA Violations : 1. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Equifax has a legal obligation to reinvestigate a dispute if the consumer provides any new, relevant information. The fact that two national CRAs deleted the same account is new, material evidence that warrants reinvestigation.

2. 15 U.S. Code 1681e ( b ) Equifax must maintain maximum possible accuracy of consumer credit files. Maintaining an account that has been deleted by
both other CRAs indicates Equifax is not meeting this legal standard.

3. 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Equifax must notify the consumer and provide an explanation if they deem a dispute frivolous. Their XXXX XXXX letter offers no reasonable justification in light of the new deletions from Experian and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by Bank of America about a {$3000.00} deposit made into my account by an individual named XXXX XXXX. I was informed the funds came from a debit card tied to an unemployment benefits account and that the bank flagged it as suspicious. 
I explained to the bank that I do not personally know XXXX XXXX XXXX but was assisting a mutual acquaintance ( a wedding planner ) to whom he owed money. XXXX assured me he had a Bank of America account and would transfer the funds accordingly. I provided my account number in good faith. 
Unfortunately, Bank of America later claimed the funds came from an unknown third party. They closed my account without further investigation or due process and subsequently reported me to XXXX Despite my attempts to contact XXXX XXXX XXXX and explain the situation to Bank of America, no resolution was offered. 
The result has been severe : my account was closed, my name was flagged for suspected fraud, and my ability to access financial services has been damaged.

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 2025-07-23 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:
I am filing a complaint accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ), I am asserting my rights regarding the permissible use of my consumer report If your company or agency has accessed my consumer report without a legally permissible purpose under FCRA 604 ( a ), or has failed to comply with the certification requirements of 1681e, then such access may constitute a violation of federal law.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27000.00}

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 2025-07-23 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:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Experian compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: NJ

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) on my Experian credit report. This is the second collection agency attempting to collect on this debt, which was previously reported by another company and later removed from my credit file. I believe this re-reporting is improper and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), especially if the debt has been paid, settled, or otherwise disputed previously. XXXX XXXX XXXX has not provided any validation of the debt and I was not notified before it was reported. I respectfully request the CFPB investigate this matter and require XXXX XXXX XXXX to : Provide full validation of the debt, including the original creditor and chain of ownership ; Cease reporting this account until validation is complete ; Remove the account from my credit report if it can not be validated properly.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I received an email from my bank and XXXX stating that I have a potentially negative factor on my credit report. Shocked. I know nothing of this account. I have no information on whose name or address or any payments or what this is about? I know nothing but they somehow have my name and SSN #. I have worked so hard to correct my debt after an ex husband used XXXX XXXX  to retaliate against me since 2012. I am sick of this. I called them and left voicemails I dont know a single thing about this and I have a validation of delete to them and no response. 

Its Credence Resource Managemebt, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Starting on Saturday the XXXX I got my Citi bank debit card. Ever since then its been the biggest nightmare Ive actually ever experienced. I run a small business thru XXXX and had money saved up to use. So I decided to open a seperate bank from my regular one, which happened to be Citi bank. Sadly I shouldve read the reviews first because man oh man. I have been locked out of my account about XXXX times since Ive used the card. I have been on the phone with the fraud department about XXXX times, Ive been on the phone with the executive unit, and Ive been in numerous live chats and have yet to receive an answer or solution. I have been trying to purchase product for my XXXX store with this account that has plenty of money, and have not had success. Its starting to infringe on my sales and ability to secure product. Not sure what else I need todo, but at this point I just want to switch banks and be free from this nightmare. Its actually got me sick to my stomach how a company this big will treat someone. I got this bank to spend, use, and transfer money I could keep track of but cant even run a {$100.00} transaction without an alert. Its truly truly sad. Ive had customer support hang up on me, lie and say a supervisor will call me back and receive no call .. and told that I have alerts in XXXX departments? But the other department is closed? Its literally the most run around XXXX Ive ever actually seen in my life. XXXX out of XXXX for Citi bank.

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 2025-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
15 U.S Code S 1681c-2 A consumer reporting agency Shall block the reporting Of any information In The file of a consumer that the consumer Identifies as information That resulted From an alleged identity theft, Not later than 4 business days After the date of receipt It has been 30 days And you are in violation Of this law, because I am a victim of Identity theft!! Please delete Bank of America immediately. These Accounts should not be furnished on My consumer report As they are in VIOLATION! Under, 15 U.S Code of 1681b- Permissible purpose Of consumer reports ( a ) IN GENERAL subject to subsection ( c ) Any consumer reporting may furnish A consumer report Under the following Circumstance, and no other : ( 2 ) In coordinates with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violate my rights as a federal protected, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, Im demanding the deletion of the Bank of America 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Account for XXXX XXXX XXXX Account for Rushmore XXXX They are the same company Rushmore will nit answer the phone. Also, they have another company called XXXX XXXX. It's still XXXX. 

I have a mortgage serviced by Rushmore Loan Management Services and/oXXXX XXXX XXXX XXXX After making timely mortgage payments for over 10 years, I discovered that my loan term was unilaterally extended to 50 years. At no point was this change clearly explained to me.

I was led to believe that my missed payments or hardship would be handled through deferred payments, not a complete restructuring of the mortgage term. I never knowingly agreed to a XXXX loan. I only became aware of this extension after the fact. 

When I contacted XXXX XXXX XXXX for clarification, a representative laughed in my face and dismissively told me it was legal because I " signed it. '' I explained that the terms were not clearly presented to me, and I never consented to such a modification knowingly. 

This feels coercive, deceptive, and like a potential case of predatory servicing and misrepresentation. XXXX seeking : A reversal or review of the XXXX term extension. 

An investigation into whether XXXX or consumer protection laws were violated. 

Sanctions against the servicers if misconduct occurred. 

Also, they are constantly adding thousands of dollars in escrow to my account when I've sent paper work in XXXX years ago saying, " I have my own insurance and pay my own taxes. '' When I found the letter from 2023, they acted as if they didn't know anything about it and haven't returned any of my money after taking almost XXXX from me each year. I had my insurance company which I have been with for the last 2 years to send them proof and I'm still getting letters that I owe them more money. Please help because I'm a victim of predatory lending and being taken advantage of.

Company response to consumer: Closed with explanation