vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My email was hacked and now that Ive recovered it, Ive realized that my bank was charged with thousands of dollars to XXXX which is a casino app that I do not recall making an account for. These charges have been going on since XXXX  and I just caught it due to the fact that these past few days there was XXXX XXXX dollars of charges that went through. Ive contacted XXXX and they claimed they can not refund anything due to the fact that my email was used and the account was under a family members name. I didnt authorize my card to be used for someone elses account and the family member claims to never have had used XXXX. Before I could let XXXX know that my email was hacked they refused to request any other information and closed the chat. XXXX name is XXXX, Ive contacted my bank and they stated that they will start a claim. I am afraid that my information has been stolen and maybe identity theft is next. Ive done my research and it XXXX states that XXXX verifies IP addresses every time you log in. How was this not caught? How do I have thousands of dollars taken out of my Bank of America account with out them requesting a verification that hey there is XXXX being charged, do you authorize. Please help.

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 2025-09-28 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: IN

Complaint narrative:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 
15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-09-28 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: IN

Complaint narrative:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 
15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: KS

Complaint narrative:
I am a victim of identity theft. A fraudulent account was opened in my name without my consent. 

Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX * Balance : {$1600.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX This account is not mine. I have attached my police report, identification, and proof of address. 

Under the FCRA 605B and FACTA 609 ( e ), I have the right to have fraudulent accounts blocked and removed. I am requesting that this account be permanently deleted from my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This debt collection agency, reported this debt as mine, without verifications., I never receive any notices or in writing telling me, I owe a debt. I attempted to contact the company, but no number, was available. so I sent a response by certified mail, For years, I maintain a Good credit score history, From XXXX, my score was XXXX, now XXXX, ( XXXX ) point difference, for reporting inaccurate information. They violated my rights under the Fair Credit Reporting Act ( FCRA ). In which, I've suffered adverse action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
I recently reviewed my credit report and noticed there are collections listings Im not aware of and never been notified of this collection action or that I owed the debt. I respectfully request Cfpb open an investigation into this matter and enforce immediate removal of this unvalidated debt from all consumer reporting agencies, a permanent cease and desist from further reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
Hello, On XX/XX/XXXX, I received a letter from MOHELA stating that my loans were forgiven, and I had an overpayment of {$1100.00} AND {$180.00}. 

I STILL HAVE NOT RECEIVED A REFUND from the US Treasury. There is no one to call there and find anything out. 

I called on XX/XX/XXXX and was told it would process. 
I received a notice in XX/XX/XXXX saying it should take 90 days. It is now XX/XX/XXXX! 
studentaid.gov has also been no help. They sent me a letter stating that an amount had been submitted to the treasury but it differs from the amount my letter from MOHELA states. 
Either way I have not received funds in almost a YEAR! 
Please give me a call at your earliest convenience. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV has not confirmed the debt mine. would like to set up arbitration have not heard from LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
XXXX has repeatedly provided fraudulent information in regards to a loan amount of {$1000.00}. This said company did not provide funding or disperse payment the amountof {$1000.00}. Further information and documents need to be submitted by XXXX to validate claim. 

Cc : Attorney attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
In XXXX, I noticed that my XXXX score decreased dramatically. Upon closer inspection, I found a bill from XXXX that had been sent to collection. I immediately contacted all three of the credit reporting companies as I had not been a customer of XXXX for 3 years and had received no notification of any overdue bills. I was not sure where this bill came from because the account in question has been in good standing, according to all of the documentation I have available. 

The item was added to my credit report on XX/XX/XXXX. I have yet to receive any written communication from Radius Global Solutions, nor have I received the written debt validation notice that is required by the Fair Debt Collection Act. 

On XX/XX/XXXX, XXXX  removed the item from my credit report, and on XX/XX/XXXX, XXXX  removed the item as well. XXXX  identified the item as founded and has not removed it. I have had XXXX communications with XXXX  and provided multiple items of documentation to have this removed. In addition, I have tried to call Radius Global Solutions directly. For XXXX of those calls ( XX/XX/XXXX and XX/XX/XXXX ) I left messages requesting a call back with a specific date and time to reach me. For the other XXXX calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was left on hold and eventually disconnected. I have yet to receive a return call. 

The only communication I received from Radius Global Solutions was fraud paperwork that came as a result of my dispute calls with Transunion. This paperwork included an email address. While this is not a fraud situation ( at least I don't believe it is -- can't really get an answer as to what I owe and why ), the cover letter did include an email address to send completed paperwork. I tried to send my documentation to that email, and I got an email in return that the email address XXXX was not set up to accept email from outside the organization. Exactly why would a company include an email for communication if it isn't set up to do so? 

XXXX has not followed their written procedures listed in the FAQs on their website, and Radius Global Solutions has not followed the requirements under the Fair Debt Collection Act, nor have they made it possible for me to communicate with them to rectify this situation. This is why I am filing this 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 non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Ive gotten multiple emails from regions. 2 were about different accounts being opened. 3 were about security information changing. I called and the lady said there is nothing she can do over the phone.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

Please delete the following accounts : XXXX 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 XXXXInquiryXXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX  XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
XXXXI am disputing several unauthorized hard inquiries that appear on my TransUnion credit report. Under the Fair Credit Reporting Act (FCRA) 604(a), a credit reporting agency may only allow access to my credit file if I have provided direct authorization.\n\nI did not authorize the following creditors to access my TransUnion report:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without my consent. I am requesting that TransUnion provide documentation showing my signed authorization for each inquiry, or immediately delete them as required by law.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
These transactions are inaccurate and fraud Centennial Bank Date of closure : XX/XX/year> Amount # : 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 2025-09-28 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: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : 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 2025-09-28 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: SC

Complaint narrative:
I was looking over my Equifax credit report and notice a collection account that didnt belong to me. This collection account is XXXX XXXX XXXX on my credit report didnt provide an account number. This collection account is fraud and needed to be blocked from my equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NY

Complaint narrative:
This complaint supplements CFPB Case # XXXX ( filed XX/XX/XXXX ). That case is still open and does not allow additional uploads or text, so I am filing a new complaint targeting Experian only regarding the same XXXX XXXX tradeline. 

Violations by Experian : Reports the account as charged off/ written off while also showing a past due balance of {$2100.00}. Metro 2 Field 17A requires past due = {$0.00} once charged off.

Continues to report CO ( charge-off ) each month in XXXX, which is improper re-aging and not permitted under Metro 2 .

Conflicting update dates : status updated XX/XX/XXXX vs balance updated XX/XX/XXXX. This shows Experian is refreshing a balance on a closed/charged-off account.

Blocks my right to dispute online, showing : For security reasons, we can not process your dispute online while also displaying completed disputes in XX/XX/XXXX. This creates an unreasonable obstacle to my FCRA 611 rights. 

Improperly tied a XXXX XXXX XXXXXXXX address to this tradeline after default. Original account was linked to XXXX. This creates an inaccurate association and constitutes reinsertion without notice.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITIZENS PAY CREDIT LINEs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CITIZENS PAY CREDIT LINE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation