vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX reported a Medical debt of {$1000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in collections. This has caused my credit score to drop over XXXX points. I have never been to the state of California or recieved treatment from the listed provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 explanation
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
I filed a fraud claim with Bank of America for three unauthorized charges from XXXXXXXX XXXX  on my card, which occurred on XXXX XXXX XXXX XXXX XXXX XXXX. These charges summing to {$2500.00} which is majority of the money in my account. 

I reached out and made the claim on XX/XX/XXXX, I called the next day to provide information and at no point did Bank of America ask me to provide any information, almost as if they had no real intention of investigating the matter.My physical card was in my possession at all times, and I never made nor authorized these transactions. I also reported the issue within 24 hours. 

The transactions were done online, and I did not share my card details. 


The claim was denied on XX/XX/XXXX. 
I have contacted Bank of America multiple times, requested escalation to a fraud claims manager, and asked for the merchant documentation used to deny my claim, but I have not received a resolution. 

I am requesting that the CFPB intervene to ensure Bank of America properly investigates this unauthorized fraud and credits the funds back to my account.

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 2025-08-19 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM financial stated that it was a credit transaction, however GM financial required me to pay a down deposit of cash for the car. In the retail installment agreement it states credit or cash option not both. They have illegally obtain cash from the consumer to make the deal and transaction happen. Without a cash deposit, I would be unable to be approved of the credit according to GM financial and the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681i, part of the Fair Credit Reporting Act ( FCRA ), outlines the procedure a consumer reporting agency ( CRA ) must follow when a consumer disputes the accuracy of information in their credit report. Essentially, it details how CRAs handle disputes and what steps they must take to investigate them.

15 U.S. Code 1681e outlines the compliance procedures that consumer reporting agencies ( CRAs ) must follow under the Fair Credit Reporting Act ( FCRA ). This section primarily focuses on ensuring the accuracy and appropriate use of consumer reports. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX  Account info Account number XXXX Date opened XX/XX/XXXX Closed Please remove these credit pulls from my credit report the inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX XXXX opened CloseXXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-08-19 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We need another vehicle for the household ; I Submitted an application for a vehicle loan which was denied. Thereafter, I reached out to Experian on the phone to request assistance multiple calls. Also, I recently change my phone number, which is on file with XXXX XXXXXXXX XXXX XXXX Furthermore, I sent a dispute letter to verify my identity and asked to unfreeze my account and add my phone number. Since my number is different than the one on file, I can not verify the automated phone system, and regardless of the time or day, I can not reach a person to help me make the changes and access to credit or remove the freeze. 

The letter included copies of : - SSA card - Driver 's License - Passport - Recent paystub from my employer - Utility bill, and a Morgage statement - my current phone number The letter was sent via USPS on 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am disputing the reporting of an auto loan with Credit Acceptance. The account was opened in XX/XX/XXXX with a XXXX term. The vehicle broke down and was eventually towed, but I did not recover it. My last payment on this account was made in XXXX, and I have not made any payments since then. 

Despite this, the account is still being reported as XXXX and XXXX days past due as of XX/XX/XXXX, with an updated balance. This is inaccurate and misleading because the loan term has expired, the account should have been closed and charged off years ago, and no payments have been made for more than XXXX years. 

This inaccurate reporting is unfairly extending the negative impact on my credit and does not reflect the true status of the account. The reporting should reflect that the account is closed/charged off and should be subject to the XXXX reporting limit from the date of first delinquency in 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 monetary relief
Consumer complaint received 2025-08-19 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
In keeping with USC 1681g, these mistaken accounts must be addressed and purged within 15 days from the date of notification.

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 2025-08-19 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: SC

Complaint narrative:
In XX/XX/year>, I ended my lease at XXXX XXXX XXXX XXXX my lease ended due to serious, unresolved habitability issues. I provided written notice explaining why I was moving out early, which included repeated flooding, pest problems, and the management companys failure to address my maintenance requests. 

After move-out, the apartment complex reported that I owed approximately {$11000.00}. I dispute this balance because the amount is inaccurate and not supported by documentation. 

I requested an itemized breakdown and verification of the charges, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, the company has not provided the requested documentation or evidence validating the debt. 

By law, consumers have the right to dispute inaccurate information and request verification of debts. Since the company failed to respond to my dispute and continues reporting this alleged balance, the information on my credit report is inaccurate and harmful. 

I request that this account be fully investigated. If the company can not provide proper verification, it should be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: IN

Complaint narrative:
I have been receiving XXXX XXXX payment via the Way2Go Debit card program. My card stopped working about XXXX  months ago. I tried calling and I was told I needed a certain department to resolve my issue. I have been calling and calling with no answer at all after holding more than XXXX minutes. I tried to login on the online portal, and it says account suspended. I keep trying to call and I STILL can not get help! My card is still not working! 

I received a notification that there was a deposit on my card that I can't access my funds on! This is absolutely crazy! My daughter needs things for school and food and my funds are being held up by the Way2Go Debit card. I can not reach anyone and my money is being held up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been trying to dispute this account but apparently I keep getting denied a fair try. I have disputed this account in past but now it just comes back as dupitcate. I have not got a response from the first dispute. 
transition deleted account XXXX  and XXXX  still report. but have different data reporting further violating my rights I THOUGHT THE CFPB WAS TO HELP ME. 
HOW ARE U PROTECTING MY RIGHTS AND PRIVACY???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief