vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Formal Complaint Against Bank of America for Inaccurate Credit Reporting and Failure to Validate Accounts Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of America for reporting multiple inaccurate accounts on my credit report and for failing to validate these accounts despite my repeated requests. 

Upon reviewing my credit file, I discovered that Bank of America is reporting duplicate and/or inaccurate accounts that do not accurately reflect my credit activity. These entries appear to be either erroneous or unverified, and they are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute information I believe to be incorrect, and the furnisher of that data is legally obligated to investigate and correct or remove any unverifiable information. Furthermore, under 15 U.S.C. 1681s-2, Bank of America is required to report only accurate information and must promptly update or remove any data that can not be verified. 

Despite multiple written requests made directly to Bank of America asking them to validate these accounts, I have not received a proper response or any documentation verifying their accuracy. This continued inaction is a violation of federal law and my consumer rights. 

I respectfully request that the CFPB investigate this matter and ensure that Bank of America is held accountable for its failure to comply with the FCRA.

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 2025-05-07 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 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:
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 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/year> LEXISNEXIS P.O. XXXX XXXX XXXX, GA XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, After reviewing the response of the investigation conducted on XX/XX/year> by LexisNexis my consumer report is still reporting inaccurate information. According to15 USC 1681 ( e ) ( b ), 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. Based on the results of the investigation I am requesting the description of the procedure used to determine the accuracy and completeness of the investigation in accordance with 15 USC 1681i ( 6 ) ( B ) ( 3 ). Listed below are the items that must be removed immediately! 


Insurance Policy Records : XXXX XXXX XXXX CO XXXX XXXX XXXX and Judgements : XXXX XXXX XXXX XXXX Name : XXXX XXXX Please send me a copy of the changed consumer report at the earliest. 

Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX ENCLOSED ARE THE FOLLOWING XXXX DOCUMENTS THAT VERIFY MY IDENTITY EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : SECTION XXXX : Identification Records Source details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA Remove source details/ Addresses Section XXXX : Identification records Source details : GOVERNMENT EMPLOYEES XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX OHIO BUREAU XXXX XXXX XXXX OH XXXX OH Remove source details/ Addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not satisfied with the companys response. This complaint involves a debt that has been charged off or canceled, but I have not received IRS Form XXXX, which is required by law when {$600.00} or more of debt is forgiven ( IRS XXXX XXXX ). 

The companys failure to issue this form, or confirm in writing that no XXXX was filed, places me in a legally uncertain position and affects my ability to properly file my tax return. 

Additionally, this debt is still being reported as a charge-off/profit and loss write-off on my credit report, despite being resolved. This continued reporting is inaccurate and harmful, and may be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not satisfied with the companys response. This complaint involves a debt that has been charged off or canceled, but I have not received IRS Form 1099-C, which is required by law when {$600.00} or more of debt is forgiven ( IRS Code 6050P ).

The companys failure to issue this form, or confirm in writing that no 1099-C was filed, places me in a legally uncertain position and affects my ability to properly file my tax return.

Additionally, this debt is still being reported as a charge-off/profit and loss write-off on my credit report, despite being resolved. This continued reporting is inaccurate and harmful, and may be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not satisfied with the companys response. This complaint involves a debt that has been charged off or canceled, but I have not received IRS Form 1099-C, which is required by law when {$600.00} or more of debt is forgiven ( IRS Code 6050P ).

The companys failure to issue this form, or confirm in writing that no 1099-C was filed, places me in a legally uncertain position and affects my ability to properly file my tax return.

Additionally, this debt is still being reported as a charge-off/profit and loss write-off on my credit report, despite being resolved. This continued reporting is inaccurate and harmful, and may be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE. SEE ATTACHED DOCUMENT.

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 2025-05-07 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-07 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

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 2025-05-07 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Experian. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required 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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me To Whom It May Concern, I am submitting this complaint regarding a mishandled dispute on my Chase account ending in XXXX. 

I filed a dispute for unauthorized transactions that I did not recognize or authorize. The charges were initially refunded to me by Chase. However, those credits were later reversed, and the case was closed without a proper resolution. As a result, my account is now overdrawn, and I am being charged overdraft fees. 

I visited a Chase branch, where a banker reviewed the case and provided documentation that included transaction history and a wallet address. I confirmed that I do not recognize this activity or the associated address. I was referred to the Chase Fraud Department, where I spoke with a supervisor and requested a reinvestigation and compensation for the resulting overdraft fees. I offered to provide a written statement or affidavit confirming that I did not authorize the transactions. 

Despite this, I was told Chase could not assist me further or accept any documentation from me. I was not given a definitive reason why the case was closed or what information led to that decision. 

I am now formally requesting the following : A reinvestigation into the unauthorized charges. 

Temporary or permanent reversal of any overdraft fees caused by the reversed dispute.

The opportunity to submit a formal written statement supporting my claim. 

I am willing to cooperate fully and provide any documentation needed to resolve this matter. I believe this situation has been handled unfairly, and I am facing financial hardship due to Chases refusal to take additional steps. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX XXXX Account ending in : XXXX Claim Numbers : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am reaching out to COMENITY BANKXXXX to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : COMENITY BANKXXXX XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the reporting of the XXXX XXXX account status ending in XXXX, as reported on Experian ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ). This account was charged off and closed in XXXX, yet both credit bureaus continue to report it with an outstanding balance of {$3700.00} and monthly updates reflecting a Profit and Loss Write-Off charge-off status through XX/XX/XXXX. This constitutes unlawful re-aging of a closed, static account, violating FCRA XXXX ( a ) ( XXXX ), which prohibits updating derogatory payment history to misrepresent the age of the debt. There has been no consumer activity, payment arrangement, or contractual renewal since the charge-off. The ongoing updates materially distort the recency and severity of the delinquency. These inaccuracies violate FCRA XXXX ( b ), which requires information furnished to credit reporting agencies to be as accurate and fair as possible. Additionally, the continued reporting of a charged-off account as active, despite no new verification or updated obligation, renders the tradeline unverifiable, triggering the deletion requirement under FCRA XXXX XXXX a ) ( XXXX ) ( A ). Moreover, the debt is reported as a " Profit and Loss Write-Off, '' which implies that the debt has been deemed uncollectible. In such cases, XXXX CXXXXe XXXX requires a Form XXXX to be issued for canceled debts of {$600.00} or more. The absence of this XXXX-required documentation further supports that the debt is not legally collectible, and its continued reporting is both misleading and non-compliant with federal tax law. I also formally object to the use of any third-party verification databases during the reinvestigation, including XXXX, XXXX, XXXX, XXXX, or XXXX XXXX XXXX which are not original furnishers. Their use violates FCRA XXXX ( a ), as such access is not supported by a direct permissible purpose or consumer authorization. Pursuant to FCRA XXXX ( a ) ( XXXX ), I invoke my right to expedited deletion of this materially inaccurate and unverifiable tradeline within XXXX ( XXXX ) business days of receipt of this dispute. If the tradeline is not permanently deleted, I will escalate the matter to the FTC, XXXX XXXXXXXX XXXX, and all other appropriate regulatory bodies.

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 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the reporting of the XXXX XXXX account status ending in XXXX, as reported on XXXX ( Report Number XXXX ) and Equifax ( Report Confirmation XXXX ). This account was charged off and closed in XXXX, yet both credit bureaus continue to report it with an outstanding balance of {$3700.00} and monthly updates reflecting a Profit and Loss Write-Off charge-off status through XX/XX/XXXX. This constitutes unlawful re-aging of a closed, static account, violating FCRA XXXX ( a ) ( XXXX ), which prohibits updating derogatory payment history to misrepresent the age of the debt. There has been no consumer activity, payment arrangement, or contractual renewal since the charge-off. The ongoing updates materially distort the recency and severity of the delinquency. These inaccuracies violate FCRA XXXX ( b ), which requires information furnished to credit reporting agencies to be as accurate and fair as possible. Additionally, the continued reporting of a charged-off account as active, despite no new verification or updated obligation, renders the tradeline unverifiable, triggering the deletion requirement under FCRA XXXX XXXX a ) ( XXXX ) ( A ). Moreover, the debt is reported as a " Profit and Loss Write-Off, '' which implies that the debt has been deemed uncollectible. In such cases, XXXX CXXXXe XXXX requires a Form XXXX to be issued for canceled debts of {$600.00} or more. The absence of this XXXXrequired documentation further supports that the debt is not legally collectible, and its continued reporting is both misleading and non-compliant with federal tax law. I also formally object to the use of any third-party verification databases during the reinvestigation, including XXXX, XXXX, XXXX, XXXX, or XXXX XXXX XXXX which are not original furnishers. Their use violates FCRA XXXX ( a ), as such access is not supported by a direct permissible purpose or consumer authorization. Pursuant to FCRA XXXX ( a ) ( XXXX ), I invoke my right to expedited deletion of this materially inaccurate and unverifiable tradeline within XXXX ( XXXX ) business days of receipt of this dispute. If the tradeline is not permanently deleted, I will escalate the matter to the FTC, XXXX  XXXX XXXX, and all other appropriate regulatory bodies.

Company response to consumer: Closed with non-monetary relief