vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
A collection account has been listed on my credit file in error. I believe this to be a case of mistaken identity, as I have no connection to the debt being reported.

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 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
XXXX with XXXX XXXX from XXXX XXXX she could not find the account with my name ssn or phone number this account does not belong to me and my credit point drop XXXX  XXXX would not provide with the account number to provide to XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-16 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: TX

Complaint narrative:
During a recent review of my credit report, I discovered an inquiry that I did not initiate. I am very concerned that this may be a sign of fraudulent activity or unauthorized access to my personal information.

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 2025-07-16 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter from Bank of America, dated XX/XX/XXXX, stating that they are discontinuing the personal line of credit that I have had since XXXX. I use this account on an as needed basis and I have been with Bank of America since they were XXXX. I contacted the company and just got passed around from person to person as I did not accept their explanation as to why the account is being closed. It is simply a money grab to try and get me to open some other useless product that I do not want or need. I had to leave a message at some random mailbox and I have never heard back. None of their other products meet my needs and I may move my whole relationship with Bank of America due to this issue. Almost all of my checking, savings, IRA, and Investment accounts are with Bank of America. Additionally, this will adversely affect my credit score, which I maintain steadfastly. This is one of my oldest accounts and it will be marked as closed by credit grantor and I will lose that long term history. This is a consequence of them closing this account that I do not want to lose. It seems that the organization has lost sight of customer service. I do not need another credit card, or loan, I need the ability to access a line of credit when needed. It was bad enough when they stopped allowing it to be used as backup for an overdraft, although I have never had one, it was peace of mind. Bank of America wants to remove that peace of mind.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: MO

Complaint narrative:
This company is charging me for the month of XXXX in which I was out of town. This is a weekly extended stay, I did not stay there in XXXX paid for XXXX my mom got sick at the end of XXXX with XXXX, never left any of my things there always paid them on time. My mom died from XXXX while I went to visit her. This company never sent a letter no court doc nothing. No one contacted me I wasnt living in town during this time. I included my flight to XXXX XXXX I wasnt in XXXX and in XXXX I got me a new apartment. This is not legal or right for them to charge me during XXXX and I wasnt living at this property

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am currently locked out of my Self account and have not been able to access or manage it for about XXXX  months. Despite this, Self continues to bill me monthly. I can not view statements, stop the charges, or cancel the account.

I have contacted Self support multiple times to restore access or stop billing, but nothing has been resolved. This creates a serious problem, especially if the account is still being reported to credit bureausinformation that I can not verify or manage due to the lockout.

I request that : My account access be restored immediately or the account be closed All billing activity be reviewed and paused No negative information be reported to credit bureaus during this dispute A full investigation into my support history and the ongoing lockout

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I sent a formal dispute to TransUnion regarding a {$7700.00} collection from XXXX XXXX XXXX ( XXXX ) related to a lease at XXXX XXXX XXXX XXXXXXXX. 

I provided documentation showing the debt is invalid and legally unenforceable, including : A court ruling stating I do not owe money A mold test report showing XXXX mold in the apartment Proof that the landlord has no record of me being a tenant TransUnion replied initially saying they were waiting for verification from the creditor, but I have received no follow-up response in over 30 days. 

Under the Fair Credit Reporting Act ( FCRA 611 ), the credit bureau is legally obligated to complete an investigation and respond within 30 days.

I am requesting the immediate removal of this false collection due to TransUnions failure to follow federal 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
Equifax is currently reporting XXXX charge-off accounts on my credit file that are either outdated, incomplete, or are being misrepresented in a way that violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the XXXX entries are as follows : a XXXX XXXX account ending in XXXX listed as charged off as of XX/XX/XXXX for {$590.00}, and a XXXX XXXX XXXX account ending in XXXX, reported as charged off on XX/XX/XXXX with a balance of {$3500.00}. 

My primary concern is that Equifax is continuing to report these items without adequately verifying their completeness or accuracy, which violates the core legal responsibility imposed under 15 U.S.C. 1681e ( b ). That section of the FCRA mandates that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. In both of these cases, Equifax has failed to do so. 

These accounts have either been paid, resolved, or are being presented in a way that omits critical context such as updated balance status, settlement agreements, or payment activity. The law does not permit Equifax to maintain derogatory information indefinitely, especially when the data is misleading or has not been substantiated by the furnishing party. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer files a dispute, the credit bureau must conduct a meaningful reinvestigation. My previous attempts to dispute these accounts were met with a generic response and no tangible outcome, raising concerns that Equifaxs reinvestigation process is more automated formality than lawful scrutiny. 

The consequences of this continued misreporting are not hypothetical. These inaccurate charge-off entries have caused me to be denied credit, offered less favorable lending terms, and subjected to unfair profiling by creditors. Emotionally, its exhausting to be repeatedly judged for financial data that is either outdated, inaccurate, or misleadingespecially after Ive taken the necessary steps to resolve or challenge the legitimacy of these debts. The presence of these items directly undermines my ability to move forward financially and professionally, and they serve as an unnecessary and harmful anchor to my past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
tried to obtain validation and the # 1 original creditor 's information, # 2 original signed contract bearing my signature. # 3 Breakdown of Detail of charges # 4 purchase Agreement # 5 Flow agreement # 6 copy of a bill # 7 transfer of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a consumer and victim of identity theft. In XXXX, a vehicle loan account was fraudulently opened in my name with XXXX XXXX for a XXXX XXXX XXXX. The vehicle was later repossessed without my consent from a repair shop following a hit-and-run accident. I did not authorize the account or the repossession. Despite submitting identity theft reports and complaints to Capital One, the XXXX Attorney General, and the CFPB in XXXX, Capital One continued to pursue the debt. 

In XX/XX/XXXX, I filed a federal case ( XXXX XXXX. XXXX ) in the XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX under the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), but the case was dismissed because I was unaware of my rights and missed a filing deadline. I have since filed a Motion for Reconsideration and a Notice of Appeal to the XXXX XXXX. 

I now have further evidence including : Identity theft reports A transaction report showing {$0.00} transaction values and inconsistencies A fraudulent contract dated as early as XXXX ( I have no memory or record of opening any account before XXXX ) Travel records confirming I was out of the country during key transactions Evidence of emotional and financial harm, including loss of vehicle, denial of credit, and damaged credit score I am requesting that the CFPB investigate this account, audit Capital One 's use of my personal data, and take enforcement action if appropriate. I also seek assistance in correcting my credit report and recovering damages under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
I did not open these fraudulent accounts and was unaware they existed. Please remove them from my credit report within 15 days per USC 1681g. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX refused to acknowledge my verbal dispute. I asked multiple times for him to acknowledge the dispute. he refused to do so.

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
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a false collection entry that has been reported to my credit file in relation to a prior housing arrangement at the XXXX XXXX XXXX in XXXX XXXX, California. 



Background and Timeline of Events : Residency : I was a resident of on-base military housing in XXXX XXXX CA while serving on active duty in the United States Marine Corps .

Initial Dispute : Upon vacating the property, base housing attempted to hold me financially responsible for an oil stain located in the driveway or garage area. I immediately informed them that the oil stain was present when I moved in.

Move-In Checklist : They asked to see my copy of the move-in checklist. I explained that I had misplaced my copy. They responded, No worries, we always make a copy and keep it in our files. I agreed and asked them to review their copy, as it would show the stain was pre-existing. I was never provided with that checklist despite multiple verbal follow-ups, nor did they follow up with me about it after that conversation.

Unlawful Reporting : Without any follow-up, documentation, or proper adjudication, the housing office sent my alleged debt to collections. This was done without verifying the facts or contacting me again, and without providing a formal billing or notice of dispute rights.

This action resulted in a significant drop in my credit score and negatively impacted my credit profilewithout justification or due process.

Change of Duty Station : I was transferred to a new duty station at XXXX XXXX XXXX XXXX, Virginia, and was unaware of any unresolved issues until I saw the derogatory mark on my credit report.

Issues with This Collection : I was never provided documentation or verification of the debt.

The stain was pre-existing, and housing acknowledged that they retained move-in documentation but failed to provide or review it.

The collection was reported without notice, violating my right to dispute.

As an active-duty service member, this has had a disproportionate and unjust impact on my ability to maintain creditworthiness.

Request for Resolution : I respectfully request that this collection account be : 1. Removed entirely from all consumer reporting agencies, 2. Any debt deemed invalid be canceled, and 3. That base housing or the collection agency provide proof of a signed move-in inspection showing I was responsible for the oil stain, which I firmly state does not exist.

I am willing to provide any additional documentation or statements necessary. Please take this matter seriously and assist in correcting this harmful and inaccurate record on my credit profile.

Company response to consumer: Closed with explanation