vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Good evening everyone ; My complaint its about XXXX XXXX they are charging me {$130.00} USD About XXXX service to XXXX XXXX from XXXX ; XXXX lost my wallet with my credit cards and ID on the hotel XXXX XXXX and then they never came to collect the package, I sent email to the hotel telling them please dont send it anymore, I cancelled all my documents and request new XXXX, then XXXX XXXX my package from the hotel and sent it to my country XXXX XXXX XXXX when already I didnt need it because I cancelled all my cards and ID since I told them ( XXXX  XXXX  ) cancelled the package I dont need anymore, So now XXXX send letter to my address in Florida charging me the Amount {$130.00} for the service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-12 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-07-12 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:
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 : XXXX XXXX XXXXXXXX Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX 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 2025-07-12 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: AL

Complaint narrative:
Subject : Concern Regarding CFPB Lawsuit Against Experian and Impact on Credit Reporting I recently learned about the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which raises significant concerns regarding the accuracy and reliability of credit reporting practices. My personal experience with several disputes I filed has illustrated the negative impact these practices can have on individuals seeking credit. 

Despite providing substantial evidence supporting my claims, I received a response indicating that the accounts in question were " verified '' without adequate justification. As a result, my credit score has suffered, adversely affecting my ability to secure credit. 

I would also like to highlight the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the completeness and accuracy of the information they report. Under the FCRA, consumers have the right to dispute inaccuracies and require that those disputes are fully investigated. If a reporting agency is unable to substantiate the information provided, it is obligated to correct or delete the inaccurate entries from the consumer 's report. 

I appreciate your attention to this matter and look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: WI

Complaint narrative:
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} Ive been trying to get these companies to remove these inquiries and these falsely accounts off of my credit report, I did not give permission for any of these companies to report my personal information and none of these fraudulent accounts belongs to me! Ive been told to experience is getting sued because they refuse to do a fully investigation on the consumers credit report and I would like CFPB to keep an eye on this investigation!

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint with the help of a friend who speaks XXXX, because I do not speak or read XXXX well and was unaware of these charges until very recently. I usually do not review my monthly bank statements due to the language barrier. However, I recently noticed an unexpected deposit from XXXX, which made me check my account more closely. Thats when I discovered that Bank of America has been charging me a $ XXXX  monthly maintenance fee for many years. 
I was shocked to find that these charges started in XX/XX/2019 and have continued every month until nowabout six yearsadding up to approximately {$1800.00} in total. When I first opened the account, I was clearly told that as long as I kept a minimum balance of {$1500.00}, I would not be charged a monthly maintenance fee. I have always been careful to keep my balance above {$1500.00} to avoid such fees. 
After noticing the issue, I asked my XXXXspeaking friend to call Bank of America on my behalf. The representative told her that my account was upgraded in XX/XX/XXXX and that to avoid fees under the new terms, I would have needed to keep a {$20000.00} minimum balance. I never authorized this upgrade. I do not have the financial means to keep such a large amount of money in her account and I would never have agreed to such a changeespecially not just for few cents in interest, which means nothing to me. 
We asked the bank to provide proof that I agreed to this account upgrade, but they said they could not find any signed documents because it happened too long ago. This is extremely unfair. I was unknowingly placed into an account with much stricter requirements and charged hundreds of dollars in fees without my knowledge or consent. I believe this was either a mistake or a misrepresentation by the bank. 
I already contacted Bank of America and asked for a full refund of the fees charged since XXXX, but they refused and only refunded two months worth of fees ( {$50.00} ). That is why I am now filing this complaint through the CFPB. Thank you for your time and attention.

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 2025-07-12 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 formally requesting that an address incorrectly listed on my credit file be permanently removed. I have never resided at that address, and it should not be associated with my credit profile.

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 2025-07-12 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: AL

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am writing to report that I am a victim of XXXX XXXX. Accounts have been fraudulently opened under my name and credit without my consent. I seek urgent assistance in resolving and mitigating these unauthorized activities. have pulled all three of my consumer reports and have identified several accounts that are not authorized, nor did I apply for. These accounts are reporting without my consent or knowledge. I have not applied for any of these accounts. I would like them removed from my credit report immediately, or I will have to file legal legations. Thank you for your attention and support.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report that I am a victim of XXXX XXXX. Accounts have been fraudulently opened under my name and credit without my consent. I seek urgent assistance in resolving and mitigating these unauthorized activities. have pulled all three of my consumer reports and have identified several accounts that are not authorized, nor did I apply for. These accounts are reporting without my consent or knowledge. I have not applied for any of these accounts. I would like them removed from my credit report immediately, or I will have to file legal legations. Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified, and no proper documentation was provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified, and no proper documentation was provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am writing to request the immediate investigation and removal of a collection account that is being reported under my credit profile. I have no affiliation with this debt, and its inclusion is misleading and harmful.

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 2025-07-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased the XXXX XXXX and the vehicle was totaled in an accident. We had full insurance coverage as well as GAP insurance on the vehicle. There were also several extended warranty plans to my knowledge that were refunded to the bank. They are claiming I still owe over {$3000.00} for the car and have listed it in my credit as a repossession. I have informed them on multiple occasions that this is paid and if its not they need to reach out to the GAP provider and extended warranty providers to get those refunds like they should have done originally and that I submitted the information for to them and it would have been paid off. When I have tried to tell them this again all I get is excuses and them trying to get me to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently made a deposit of {$180.00} on XX/XX/year>. Once I completed the deposit I did not see it online. 
So I called Capital One to find out what happened. 

The first lady could not answer my question and was providing incorrect general information when my check would be available. 

I explained to them they were not honoring my deposit and not following Regulation CC. Where I have a portion of my funds available.

The agent then decided to transfer the call to a manager who as well provided false and misleading information regarding Reg CC.

First he was not aware of the Reg and I had to ask him to review the Reg. 

To which he read the Regulation and from his own words was well according to the Reg we can hold a check longer if we want and that is what we are.doing.

So i said so you made an exception to hold my check longer than you can make the exception to ensure your bank is honoring Reg CC to which he said there is nothing he can do. But yet what they can do is tell me they are hold the check for longer if they wish with out providing a reason as to why.

This to me is.a clear violation of law and appears their systems are not process remote check deposit according to Reg CC. 

The first agents name was XXXX and the manager was XXXX. I have a copy of the call if the CFPB needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX BridgeCrest Auto Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Formal FCRA Dispute and Notice of Violations Repossession & Failure to Register Vehicle To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, concerning the inaccurate, incomplete, and misleading information your company is furnishing to credit reporting agencies regarding a reported repossession tied to my account.

Let me make this absolutely clear : I dispute the validity and accuracy of this repossession and am demanding immediate investigation and correction or removal. Furthermore, I am demanding answers and accountability for BridgeCrests failure to obtain or provide proper registration for the vehicle, which directly affected my legal ability to operate and insure the vehicle. Your companys neglect created material hardship and is a contributing factor to the dispute of this account. 

Under the FCRA, you are legally obligated to only furnish accurate, complete, and verifiable information to credit reporting agencies. Your reporting of a repossession, while knowingly failing to secure legal registration for the vehicle, is misleading and deceptive and a direct violation of federal law. If a vehicle can not be legally driven or registered, then any associated deficiency, payment delinquency, or repossession resulting from that condition is unjustified and uncollectible.

I am hereby demanding that BridgeCrest : 1. Immediately cease reporting of this repossession to all credit bureaus, 2. Conduct a full investigation into the accuracy and legality of this account, 3. Provide full documentation of the loan, including proof of registration, notices of default, repossession documentation, and resale records, 4. Delete this account from all credit bureaus if any aspect of the record can not be fully verified and validated.

Failure to comply will result in immediate escalation. I am fully prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel to pursue statutory and punitive damages for willful and negligent violations of the FCRA under 1681n and 1681o.

This letter is your legal notice. I expect a full written response within 15 calendar days from receipt of this dispute. Continued inaction or improper reporting will not be tolerated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation