vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
An Experian data breach had compromised my personal information, leading to identity theft and severe damage to my credit. Due to their failure to protect my sensitive data, unauthorized accounts and inquiries have appeared on my credit report, negatively affecting my credit score and financial well-being.

I became aware of the breach when I noticed fraudulent accounts and credit inquiries that I did not authorize. As a direct result of this breach, my credit has been severely impacted, making it difficult for me to access financial services, secure loans, or conduct normal financial activities. Despite multiple attempts to dispute these fraudulent entries with Experian, I have not received adequate assistance in correcting my credit report.

have taken the following actions to resolve this issue : Filed disputes with the credit bureaus to remove unauthorized accounts and inquiries. 

Submitted an Identity Theft Report with the FTC and, if applicable, a police report. 

Requested a fraud alert and credit freeze to prevent further unauthorized activity. 

Contacted the creditors associated with the fraudulent accounts. 

However, Experian has failed to take appropriate action to correct my report, causing ongoing financial harm.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
My wife and I decided to refinance with Huntington Bank, and have received four loan disclosures showing estimated taxes, fees, and payments at one rate, only to get to closing and find out the payment was higher and the cost to close was much higher! I was also not told the day of closing that my loan amount was much higher than previously indicated, with a monthly payment {$400.00} higher than previously indicated multiple times. Its the classic bait and switch and it has caused my wife and I much stress. XXXX leadership has not been receptive to making this up to us. Even the title company said XXXX is in the wrong for this and should be offering a discounted rate to me or proprietary fees back to me. 

XXXX needs to be brought in line over this. Not happy at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 a victim of identity theft. I have several unauthorized accounts and inquiries on my credit report. The following is a list of the unauthorized accounts : XXXX XXXXXXXX : ACCT # XXXX opened XX/XX/XXXX XXXX  XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXXXXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX  XXXX : ACCT # XXXX opened XX/XX/XXXX XXXX : ACCT # XXXX XX/XX/XXXX There are a significant number of unauthorized accounts with XXXX XXXX, indicating a severe pattern of fraud and a lack of due diligence in verifying my identity. 

Additionally, there are unauthorized inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX My personal information was used to open these accounts and make these inquiries without my authorization. This constitutes a violation of my rights under Florida law, which provides strong protections against identity theft. 

This identity theft has had a severe negative impact on my life. Specifically, the presence of these fraudulent accounts and unauthorized inquiries has significantly lowered my credit score. This has affected my ability to secure favorable interest rates on loans and has even hindered my ability to rent an apartment. This situation has caused me considerable stress, anxiety, and financial hardship.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, claim disputes were opened on three charges from two different companies : XXXXXXXX XXXX XXXXXXXX. These are companies that I have been using. The charges disputed were : XXXX, XXXX, and XXXX. These were not disputed charges by me. They were authorized. I was sent mail about these claims. However, I assumed that the claims would be dropped as invalid. My account should never have been credited for these non-fraudulent charges. On XX/XX/XXXX, the credits were reversed for approximately XXXX. This has overdrawn my account and left me in a financially desperate situation. I have spoken with three representatives at Bank of America today, XX/XX/XXXX, and none are willing to work with me. If they could at least recoup the reversals on some schedule, instead of all at once leaving me destitute, when I initiated none of this, that would be helpful. Thank you. 

Sincerely, 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
At XXXX XX/XX/XXXX at XXXX {$110.00} was spent using my cash app account the same day $ XXXXand the same day {$52.00}, cash app deind the dispute I made, but why not email XXXX and ask to role the camera back to that day & time and let 's have a look see. Then a direct deposit form was filled XX/XX/XXXX for XXXX XXXX and signed without my Promission, I have screen shot on my phone, and last, on my app, it says 8 devices are link, to my cash app when it should only be ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
I signed up with this company to get help to pay off my credit cards. They said that i would be also paying for legal representation in case a creditor sued me, but that they rarely had this and from the ones i have they didnt see it happening. They also told me that their fee was 25 % of what ever the creditor agreed they would accept. When first creditor accepted an amount Beyond financial charged over 75 %. And continues to say they did not. When i requested they cancel my account after everything has been paid and i owe them nothing they dropped the other creditors but refuse to close my account and are still showing they plan to keep taking monthly payments they are not owed or entitled to and they demanded i pay for XXXX even though i owe nothing and have been requesting this be closed out for well over a week or two now. They made me pay more then i owed. Which was {$64.00} plus i had money int the account. And they lied about the legal representation that i was paying for and have treated me worse then the creditors by calling me XXXX  and telling me lies about what XXXX was going to do by putting my kids and me on the street. 

The photo i showed shows the obligation is complete but they still refuse to closed out account. and the other is showing the money taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am the victim if identity theft. I received a letter form Bank of America about a new car loan. I never applied for a car loan with this bank. I have never had an auto loan in my life. some one used my identity to purchase a car in XXXX. I live in XXXX  and have not been in XXXX  for over 30 years. I contacted Bank of America and explained the situation. that they made a loan loan to someone pretending to be me. this is where the trouble starts. they act like i am the criminal. they want me to fill out a police report give them my driver license ss etc.. I will nor share these items with them. I reluctly filled out the enclosed UNIFORM AFFIDAVIT OF IDENITY THEFT. and am unwilling to share sensitive personnel info. please review 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 2025-05-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$24000.00} Past Due Amount : {$8800.00} Status : Charged Off Upon reviewing my credit report, I found several discrepancies that are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ) : The account status is reported as charged off, yet monthly notations of CO continue to appear. A charge-off is a one-time accounting event not an ongoing status. Repeated monthly reporting of a charge-off is inaccurate and misleading. 

The balance reflects both a past due amount of {$8800.00} and a written-off amount of {$24000.00}. These figures are inconsistent. If the account was written off or charged off in full, a remaining past-due balance should not be reported unless properly substantiated. 

This debt was reported to the IRS as canceled or forgiven via IRS Form 1099-C , continuing to report the debt as collectible and charging off amounts monthly may amount to double reporting or misrepresentation, violating the FCRA and potentially other federal laws. 

I hereby request : A reinvestigation of the accuracy of this accounts reporting ; Written clarification regarding whether a 1099-C was issued because I did not recieve ; Removal or correction of any inaccurate, outdated, or misleading information. 

Please consider this a formal dispute under the FCRA. You are required to complete your investigation and respond within 30 days. If unresolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or take legal action to protect my consumer rights.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ok so they gave me a credit that was unauthorized apparent months later they said they wasn't even finished with the dispute before they put it in my account well now they want to take it back and I told them before my daughters check even hit that's it was crucial she gets it for her XXXX  they said I would get it not to worry even tho I was still overdrafted just next time make surd to move it to another account I woke up this morning to them taking it anyways now they are saying it's protocol what I was told was incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XXXX2025 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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting Under FCRA and FDCPA To Whom It May Concern, This letter serves as a formal complaint and dispute regarding inaccurate and unauthorized entries appearing on my credit reports. I am asserting my rights under the Fair Cred

it Reporting Act ( 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ).

I have not granted written consent to any party to furnish or access my personal consumer report. Therefore, any reporting done without such consent constitutes a violation of federal law. Furthermore, the continued presence of the following items on my credit reportscollection accounts, closed accounts, and inquiries ( both hard and soft ) are false, inaccurate, or unverifiable, and must be removed immediately. 
Credit reporting is a form of communication under the FDCPA. As such, all reporting done without my direct, written permission is unlawful. I am requesting a full investigation and intervention from the CFPB to ensure my rights are upheld and that all unverifiable or unauthorized entries are removed promptly. 
I have enclosed copies of my identification and proof of address to verify my identity. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST AN UPDATE TO THE ADDRESS LISTED ON MY CREDIT REPORT TO ENSURE THAT MY RECORDS ACCURATELY REFLECT MY CURRENT AND CORRECT INFORMATION. PLEASE REMOVE THESE ADDRESSES FROM MY REPORT AND SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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