vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has ruined my XXXX  XXXX XXXX with XXXX different harmful actions : XXXX ) reporting a late payment few years ago to a credit bureau while the late recording was actually the banks fault, and our payment was attempted on or before due date XXXX ) starting to cut credit limit on XXXX XXXX card from {$9000.00} by few XXXX $ $ $ $ a XXXX ago XXXX ) cut another XXXX  card limit from {$3500.00} down to {$500.00} XXXX weeks ago XXXX ) cut another XXXX card limit from {$6000.00} down to {$5000.00} few days ago All of the above is taking place for NO obvious reason, in contrast, I am making much high repayments than usual, I am always very early with payments, NEVER late. 
and as a reward they are ruining my reputation and XXXX  score. 

I dont mind this Bank XXXX credit limits because I would like to phase out my XXXX and XXXX ( my companys ) relation with this bank anyway, and have already started to work with XXXX other much more customer friendly banking institutions. 

HOWEVER, their unjustified actions have already led to my XXXX XXXX  being lowerd by about XXXX points, from XXXX down to XXXX. And due to XXXX actions, other XXXX card institutions XXXX follow, XXXX bank already did also cut a significant amount off my limit due to XXXX actions action. 

In order to keep a good credit ratio and decent limits open, I opted to apply for other XXXX  cards, although I do not need more credit, I tried only to increase my XXXX score again by upping available credit. 

Bank of America has forced me into a vicious circle creating worse XXXX XXXX  and DAMAGING MY REPUTATION AND CREDIT WORTHINESS! 

I have contacted Bank of America XXXX XXXX several times in order to explain how harmful their actions are to me, and to try and negotiate a solution, but after XXXX to XXXX minutes waittime on the phone before a person answers, I experience only more frustration : sometimes the agent is not able to verify me despite me answering all their security questions, when I ask for a supervisor, there is NEVER XXXX available, I am also being given incorrect information on business hours and contact phone numbers. 

I am getting nowhere! This Bank ( XXXX  card division, but also general XXXX  priv and bus acct. ) seems to be totally out of reach to their customers, and even acting HARMFUL to their customers! 

I have been with Bank of America since XXXX privatly, and with my business accounts since XX/XX/XXXX. I NEVER NEGLECTED ANY OF MY FINANCIAL OBLIGATIONS WITH THIS BANK IN XXXX  years!!!

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 2025-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a charge that has been reporting on my credit report with Experian and Equifax. The report indicates that I have cosigned alone with someone in the amount of XXXX. I have been fighting to remove this negativity account from my credit report since 2023. To assist with this matter I have asked both party in question to review payment history associated with this account. Both credit bureaus stated that they have reviewed the account and updated the account the information is accurate. I need proof of my signature and my co- signer if that information is not available to me I ask to conduct a thorough investigation and remove the account immediately. 

I trust you understand the seriousness of this matter as it is directly impacting my ability to qualify for credit, which is causing further damage to my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I applied for a vehicle at XXXX XXXX XXXX XXXX by XXXX XXXX in XXXX, Texas. The dealership submitted my credit application to XXXX Bank and GM Financial. I later received denial letters from both lenders, which referenced credit reports pulled from multiple agencies including XXXX and XXXX that I was never informed about or authorized beforehand. 

When I followed up with the dealership, they refused to provide me with a written denial notice, or details about how my credit was evaluated. Although the lenders identified themselves in their letters, they stated the decision was based on the dealer 's submission and referred me back to the dealership for specifics. This left me without a clear explanation or justification for the inquiries made on my credit. As a result, my credit report shows multiple hard inquiries that I did not knowingly authorize, and my scores were negatively impacted. 

I believe this situation reflects improper handling of my personal and credit information and a failure to provide required disclosures under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$35000.00}

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 2025-05-31 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-31 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Due to Equifax Data Breach To Whom It May Concern, I am writing to dispute information in my credit file that I believe is the result of the Equifax data breach that occurred in XXXX. I was notified that my personal information may have been compromised, and I have since noticed suspicious and inaccurate items on my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following inaccurate information : XXXX  XXXX XXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX XXXX XXXXXXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX Account opened fraudulently, balance incorrect, not my account This account does not belong to me, and I believe it may have been opened fraudulently using my stolen personal information. I have never authorized this account, nor have I had any dealings with the above-mentioned creditor. 

Enclosed are copies of supporting documentation that substantiate my claim, including : * A copy of my credit report showing the disputed item * A government-issued ID ( e.g., drivers license ) * Proof of address ( e.g., utility bill or bank statement ) * \ [ Optional : Identity Theft Report filed with the FTC or police report ] Please conduct a thorough investigation and remove or correct the inaccurate information from my credit report as required by law. I also request that you provide me with the results of your investigation in writing. 

Additionally, I request a copy of my updated credit report once the dispute is resolved. If this fraudulent item is not removed, I may consider further legal action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

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 2025-05-31 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Due to Equifax Data Breach To Whom It May Concern, I am writing to dispute information in my credit file that I believe is the result of the Equifax data breach that occurred in XXXX. I was notified that my personal information may have been compromised, and I have since noticed suspicious and inaccurate items on my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following inaccurate information : XXXX  XXXX XXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX XXXX XXXXXXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX Account opened fraudulently, balance incorrect, not my account This account does not belong to me, and I believe it may have been opened fraudulently using my stolen personal information. I have never authorized this account, nor have I had any dealings with the above-mentioned creditor. 

Enclosed are copies of supporting documentation that substantiate my claim, including : * A copy of my credit report showing the disputed item * A government-issued ID ( e.g., drivers license ) * Proof of address ( e.g., utility bill or bank statement ) * \ [ Optional : Identity Theft Report filed with the FTC or police report ] Please conduct a thorough investigation and remove or correct the inaccurate information from my credit report as required by law. I also request that you provide me with the results of your investigation in writing. 

Additionally, I request a copy of my updated credit report once the dispute is resolved. If this fraudulent item is not removed, I may consider further legal action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, or Experian Subject : Identity Theft Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 Dear [ Credit Bureau Name ], I am writing to formally notify you that I have been the victim of identity theft. My personal identifying information was exposed in a data breach, and I believe it has been used to open or misuse accounts that I did not authorize. Under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that all information identified below be blocked and removed from my credit file.

My Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX  XXXX XXXX, XXXX XXXX NC XXXX Fraudulent Accounts and Items to Be Blocked : Closed Accounts : XXXX Reported : XX/XX/XXXX {$420.00XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} XXXX XXXX Reported : XX/XX/XXXX {$720.00} XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$870.00} XXXX XXXX  Multiple entries from XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} Collections : XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$2800.00} XXXX XXXX Multiple entries from XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Enclosed Documents : 1. Government-issued photo ID ( Drivers license or state ID ) 2. Proof of address ( utility bill, lease agreement, etc. ) 3. Copy of a police report or identity theft affidavit 4. Signed written statement ( below ) Written Statement : I declare under penalty of perjury that the above accounts and inquiries were made or opened without my knowledge or authorization and are the result of identity theft. I request that the listed fraudulent items be blocked and removed from my credit file in accordance with 15 U.S.C. 1681c2 and other applicable provisions of the Fair Credit Reporting Act ( FCRA ).

I request that you send me a written confirmation once these items have been removed. If further documentation is required, please notify me in writing.

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-05-31 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am disputing a false balance of {$640.00} reported by XXXX XXXX  on my credit builder account. This account is designed to prevent overspending, and I only use transferred funds. The card is supposed to decline any transactions that exceed the available balance, yet XXXX is now claiming I overspent. 

I requested a full transaction history and validation of the debt, including all itemized charges, timestamps, and evidence that any over-limit spending was authorized and they have failed to provide it. Their system should not have allowed me to spend beyond what was in the account. 

I also asked for the original agreement or terms that would allow such a balance to accrue. So far, XXXX has failed to prove how this debt is valid, how it originated, and why I am being charged. 

This appears to be an unauthorized or unlawful balance, and potentially a predatory practice involving misleading credit builder functionality. 

I am requesting : Full validation of the alleged balance Immediate correction or deletion of this amount from any reports A complete and itemized account history A stop to any collection or further communication until the issue is resolved

Company response to consumer: Closed with non-monetary relief