vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: One Technologies, LP
State: CA

Complaint narrative:
OTL NATIONALCREDITRPT, or National Credit Report. Com made it seem like I was providing my card information ONLY so they could tell me my credit score, then they proceeded to charge me. 

I am XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am filing a complaint against Bank of America related to a fraudulent mobile check deposit made into my account by an unauthorized third party. I did open and use the account properly, but I did not authorize, endorse, or initiate the fraudulent check deposit. The account was subsequently closed, and I mailed a written dispute to Bank of America explaining the situation and requesting an investigation. I never received any response. 

I have since filed an official FTC Identity Theft Report ( Reference # XXXX ) confirming the fraudulent activity. Despite this, Bank of America has continued reporting the incident to XXXX and/or XXXX XXXX XXXXXXXX XXXX which is negatively impacting my ability to obtain new banking or credit products. 

I am requesting that Bank of America conduct a proper reinvestigation and issue a written response, and that they direct XXXX  and XXXX XXXX XXXX to permanently delete any negative reporting associated with this incident, in accordance with FCRA 605B.

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 2025-05-14 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: AZ

Complaint narrative:
From XX/XX/year> to XX/XX/year>. All inquiries on my Experian, TransUnion and Equifax credit report were not verified. I have a fraud alert that they need to call. Not one single call. Please remove all hard inquiries from all three credit reports.

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 2025-05-14 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:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XXXX * * Date * * : [ Tuesday XX/XX/XXXX ] * * Equifax XXXX * P.O. Box XXXX XXXX, GA XXXX * * Experian * * P.O. XXXX XXXX XXXX, TX XXXX * * TransUnion * * P.O. XXXX XXXX XXXX, PA XXXX * * Subject * * : Formal Dispute of XXXX XXXX XXXX XXXX XXXX XXXX Compliance and e-OSCAR ) To Whom It XXXX Concern : I am writing to formally dispute inaccuracies on my credit reports under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and Consumer Financial Protection Bureau ( CFPB ) guidelines. The following items violate XXXX XXXX compliance standards and require immediate correction or deletion via e-OSCAR dispute resolution : XXXX. * * XXXX Loan ( Closed XX/XX/XXXX ) * * : - * * Incorrect Payment History * * : Reported as " 43 % on-time payments '' with late/missed payments from XXXX XXXX. This contradicts the accounts closure status and {$0.00} balance. 
- * * Term Discrepancy * * : Opened XX/XX/XXXX, with a XXXXmonth term, yet closed prematurely in XX/XX/XXXX. 

XXXX. * * XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( Credit Cards ) * * : - * * Misreported Status * * : Accounts listed as " closed '' with excessive missed payments ( XXXX, XXXX, XXXX, XXXX, and XXXX respectively ). These inaccuracies fail to reflect verified payment histories and closure dates. 

XXXX. * * XXXX XXXX XXXX Loan & Credit Card ) * * : - * * Conflicting Data * * : XXXX account inaccurately marked Currently on-time despite XXXX missed payments ; the loan inaccurately lists XXXX missed payments. 

These errors have unjustly harmed my creditworthiness, impeding my ability to secure financial products. Per FCRA XXXX ( a ) ( XXXX ) ( A ), you must investigate and resolve these disputes within 30 days. Failure to comply will result in escalation to the CFPB and legal action. 

Please provide written confirmation of corrections and an updated credit report. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX recently lied and got caught in there lie to the Consumer Finance Protection Bureau XXXX XXXX XXXX XXXX lied and said that after a loan modification they made the mortgage current as required. This is proven to be a lie by the date of the loan modification and there still being lates on the mortgage prior to the loan modification as shown in enclosed credit report as well. Also, XXXX XXXX XXXX once again lied on top of this and didn't mention how any alleged late prior to the loan modification was done during a Covid forbearance wherein federal law states that they are not to report any lates. In both of this XXXX XXXX XXXX has lied in a compounding way and also shown to have lied to Equifax. Equifax has said here with Consumer Finance Protection Bureau that XXXX XXXX XXXX has removed all late payments from credit report and this is untrue as shown by the enclosed credit report. XXXX XXXX XXXX has lied to consumer finance protection bureau and Equifax. Also of note is that XXXX XXXX XXXX reported and keeps reporting all lates as being prior to XX/XX/XXXX loan modification and by implication also lied in stating that all prior reported lates were no longer reporting as being late. See enclosed credit report to catch them in another lie. Lastly just prior to closing on property XXXX XXXX XXXX ( as they did in loan modification ) inflated my mortgage balance by over XXXX as in loan modification my mortgage balance was XXXX and my original loan balance in XX/XX/XXXX was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
XXXXAmerican Financial Network Mortgage recently lied and got caught in there lie to the Consumer Finance Protection Bureau . American Financial Network lied and said that after a loan modification they made the mortgage current as required. This is proven to be a lie by the date of the loan modification and there still being lates on the mortgage prior to the loan modification as shown in enclosed credit report as well. Also, XXXXAmerican Financial Network once again lied on top of this and didn't mention how any alleged late prior to the loan modification was done during a Covid forbearance wherein federal law states that they are not to report any lates. In both of this American Financial Network has lied in a compounding way and also shown to have lied to Equifax. Equifax has said here with Consumer Finance Protection Bureau that American Financial Network has removed all late payments from credit report and this is untrue as shown by the enclosed credit report. American Financial Network has lied to consumer finance protection bureau and XXXX. Also of note is that American Financial Netowrk reported and keeps reporting all lates as being prior to XX/XX/XXXX loan modification and by implication also lied in stating that all prior reported lates were no longer reporting as being late. See enclosed credit report to catch them in another lie. Lastly just prior to closing on property American Financial Network ( as they did in loan modification ) inflated my mortgage balance by over XXXX as in loan modification my mortgage balance was XXXX and my original loan balance in XX/XX/XXXX was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

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 2025-05-14 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2025-05-14 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-14 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: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint XXXX XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint XXXX XXXXXXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Hello, I am submitting this complaint concerning the fraudulent items found in XXXX, Equifax, and XXXX  Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent account that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, I am writing to dispute recent charges and actions taken by XXXXXXXX XXXX  and to request corrective steps from both XXXX and my bank. 
While renting from XXXX, I was involved in a minor rear-end collision caused by another driver. I promptly reported the incident and returned the damaged vehicle. XXXX issued a replacement vehicle, and I was assured an extension on the rental period to complete final payment without issue. 
Despite this, XXXX repossessed the replacement vehicle without prior notice and charged me a repossession fee-contradicting what I was told. I was also placed on the " Do Not Rent '' list, which I believe is unfair given the situation and the assurances I received. 
In addition, I was charged more than the agreed amount. I explicitly instructed Bank of America to dispute a {$2800.00} charge from XXXX, explaining that I had been in an accident and was still in the process of finalizing the billing with XXXX. Despite that, Bank of America proceeded to release the funds to XXXX, against my instructions. Since then, I have made repeated requests to the bank to reverse the payment and formally dispute the charge, yet no corrective action has been taken to this point in time. These charges are inaccurate and do not reflect the agreement I had with XXXX. 
I respectfully request : XXXX. To My Bank : Please reopen and fully investigate the disputed charges from XXXX, which were not authorized or agreed to. 
XXXX. To XXXX : Please remove the repossession fee, honor the rental extension, and reconsider my placement on the " Do Not Rent '' list, as this issue was not my fault. 
Attached to this letter are copies of my email correspondence with XXXX and the police report from the accident. I am appalled that I am being forced to deal with this situation, especially with Bank of America failing to assist me in protecting my own funds. It is unacceptable that I am not being supported in disputing charges that are clearly in question and tied to a situation beyond my control. 
I appreciate your attention to this matter and would welcome a timely resolution. I can provide additional documentation upon request. 
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 2025-05-14 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: MI

Complaint narrative:
I am filing this complaint because I found multiple errors on my credit report after obtaining it through XXXX. I submitted a formal dispute requesting a full reinvestigation of certain accounts and personal information, as allowed under the Fair Credit Reporting Act. My letter also included a request for the method of verification and full file disclosure, as outlined in XXXX XXXX. XXXX ( b ), XXXX, and XXXX. 

I want to be clear that this is a specific and legitimate dispute. I am not asking for generic responses or template letters. I personally prepared and submitted each dispute, along with the required identification and documentation. Despite this, the information remains incorrect, and there is no sign that a proper reinvestigation was completed. 

Under the Fair Credit Reporting Act, the credit reporting agency is required to perform a complete and good-faith reinvestigation of the disputed item, including all related detailsnot just the tradeline. I am requesting the CFPBs assistance to ensure my rights are upheld and this matter is properly resolved. 

Inquiry XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry XXXX Date of inquiry : XX/XX/year> Inquiry XXXX Date of inquiry : XX/XX/year> Inquiry XXXX XXXX Date of inquiry : XX/XX/year> Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/year> Collection XXXX Account Number : 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 2025-05-14 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: AL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Earlier this year I reviewed my credit report and noticed multiple inaccuracies I've tried to resolve this issue multiple times and haven't received any information on my investigation. I have attached the dispute letter and all of the inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I noticed accounts on my credit report with inaccuracies.

Company response to consumer: Closed with non-monetary relief