vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America reported a late mortgage payment to the credit bureaus for the month of XX/XX/XXXX in error. I made XXXX payment on XX/XX/XXXX, which was the same day the bank reported me 30 days delinquent. According to the grace period that was given an account is not considered late until after the XXXX of each month. Therefore I was only 9 days late during the month of XXXX. However my credit report states I was 30 days late in XXXX which is clearly an error. 

I called Bank of America on XX/XX/XXXX and spoke with a representative to discuss the error. The representative informed me that I was 30 days late in XXXX, so that is why it was reported late in XXXX. I informed the representative that the information was reported incorrectly based on what she is saying. I informed the representatives that my payment was not 30 days late in XXXX therefore it should not reflect that on my credit report. I also informed the representative that I was not 30 days late in XXXX and informed her that Bank of America reported me in good standing in XX/XX/XXXX to the credit bureaus. Based on the grace period which starts after the XXXX, I was only 28 days late in XXXX. The grace period should be honored throughout the duration of the 30 day period as that is only fair.

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 2025-04-07 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
BEST BUY CASE ID : XXXX Fax : XXXX CITI XXXX  Name : XXXX XXXX XXXX BestBuy Credit card No. ending in XXXX Subject : Disputed amount {$760.00} for the date XXXX Sequence of events : XXXX Placed an order XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for store pick up location XXXX XXXX XXXX XXXX Transaction amount : {$760.00} XXXX Cancelled the order XXXX as the price was reduced. {$760.00} credited back to account. ( There is no price match for XXXX XXXX XXXX ) XXXX Placed new order XXXX for the same XXXX XXXX XXXX. Transaction amount : {$700.00} XXXX Picked up open box laptop from XXXX CA location. Order No. XXXX XXXX 3 days after picking up the order ending in XXXX, I noticed the charge of {$760.00} on my account. So now I have XXXX charges {$700.00} and {$760.00}. I only bought 1 laptop. 

This XXXX charge is not showing on my Best Buy account neither the customer service was able to pull it out I even fax all this information to My Bestbuy Visa credit card but they sided with the vendor showing their ill intent. 

BEST BUY CASE ID : XXXX Fax : XXXX CITI XXXX Name : XXXX XXXX XXXX BestBuy Credit card No. ending in XXXX Subject : Disputed amount {$760.00} dated XXXXXX/XX/year>

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECEIVED A CORRESPONDENCE VIA CFPB FROM EQUIFAX THAT ITEMS WERE DELETED FROM MY CREDIT REPORT DUE TO THE DATA BREACH/IDENTITY THEFT. I CHECKED MY CREDIT REPORT AND EQUIFAX IS STILL REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT. THIS IS IN VIOLATION OF 15 USC 1681B ALONG WITH 15 USC 1681C-2. I WILL BE PURSUING LEGAL ACTION AND SEEKING {$1000.00} PER VIOLATION. I AM AWARE OF THE LEGAL ACTION AGAINST EQUIFAX AND WILL BE FILING IF NOT UPDATED EFFECTIVE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Filled disputes directly through transunion and asking for verification/validation debtors using law ( FDCPA ), 15 U.S. Code 1692g on XX/XX/year> and received, completion on XX/XX/year>. It is my opinion that transunion did not do a deep enough investigation into my dispute because it was for several ( XXXX ) accounts and they only investigated for 9 days.

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 2025-04-07 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: MS

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 2025-04-07 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: VA

Complaint narrative:
I have inquiries that I did not authorize and a bunch of spam/fraud emails and phone calls I fear my information is public and/or someone has my personal information, I received a email from Experian and XXXX XXXX of the inquiries. I am requesting removal of the unauthorized inquiries the latest inquiry was yesterday XX/XX/2024, I would like a freeze on my credit

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 2025-04-07 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: AL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-07 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am formally requesting assistance through CFPB because these unauthorized inquiries were not resolved directly through the credit bureau. 
I discovered XXXX hard inquiries on my credit report that I do not recall authorizing. I never provided written consent to these specific companies to access my credit file on the dates listed. These unauthorized inquiries are seriously damaging my credit score, and this is affecting my financial situation and future immigration plans. 

I have already disputed these inquiries through Equifax, but they are still present on my report. I am requesting a full investigation and permanent removal of these inquiries from my report. 

Here is the full list of inquiries Im disputing : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX These inquiries were not authorized and must be removed. 
I respectfully request that this complaint be thoroughly investigated and that these inquiries be permanently removed from my credit report. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the accounts mentioned in this file. Under the FCRA ( 15 USC 1681i ) and FDCPA ( 15 USC 1692g ), furnishers are required to verify all reported information. If they can not provide COMPLETE ACCURATE validation within 30 days, these accounts MUST BE PERMANENTLY DELETED! Re-reporting without new, verifiable proof violates federal law and may also constitute or invoke fraud. 
I request immediate investigation and written confirmation of all removals. The listed accounts were never approved to be added to my reports, let alone, nor did I provide written or verbal consent for these companies to report anything on my behalf.

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 2025-04-07 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the accounts mentioned in this file. Under the FCRA ( 15 USC 1681i ) and FDCPA ( 15 USC 1692g ), furnishers are required to verify all reported information. If they can not provide COMPLETE ACCURATE validation within 30 days, these accounts MUST BE PERMANENTLY DELETED! Re-reporting without new, verifiable proof violates federal law and may also constitute or invoke fraud. 
I request immediate investigation and written confirmation of all removals. The listed accounts were never approved to be added to my reports, let alone, nor did I provide written or verbal consent for these companies to report anything on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I was alerted through my XXXX  app that there were potentially negative major derogatory issues to XXXX credit. The first alert was on XX/XX/XXXX. This involved an account for {$180.00} from a XXXX account that was opened on XX/XX/XXXX according to the credit report. I contacted XXXX to let them know that I have never opened a XXXX account and that they should investigate. I did file a fraud claim on their website. They informed me that they did not have any account opened with my social security number. I haven't heard anything else from XXXX. There was no collection agency name listed. Additionally, my credit report showed an address that I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. I deleted this address from my credit report at Experian. I disputed this with TransUnion and Experian ( XXXX did not show the negative item ) and I put fraud alerts and freezes on my credit at all three credit bureaus. 
Then on XX/XX/XXXX I was alerted to another item on my credit report that involved an account that went to collection for {$100.00} apparently from XXXX XXXX XXXX. The restoration specialist from XXXX and I called the collection company to file a dispute and fraud alert. I still haven't received the forms by mail and email they said I needed to fill out. Again, I filed a dispute with two credit bureaus, TransUnion and Experian and kept the freezes and fraud alerts in place. The collection agency named XXXX XXXX XXXX, said that the address was based in XXXX XXXX, TX and the contact phone number they had for the account was XXXX. I have never lived in XXXX  or XXXX  or had that number or know anyone with that number. At this point, the credit bureaus are still working on my dispute claims and I am in the process of filing police 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC
State: GA

Complaint narrative:
On XX/XX/year> I received a letter from a debt collection agency named APELLES attempting to collect an alleged debt in the amount of {$16000.00}. I previously received a letter from another debt collection agency named XXXX XXXX XXXX claiming they were authorized to settle an alleged debt in full for the exact same amount of {$16000.00}. In XXXX dual collection efforts, or attempting to collect the same debt twice, are generally prohibited under consumer protection laws, which aim to prevent unfair and deceptive practices. If XXXX collection agencies are attempting to collect the same debt from you, this could violate several consumer protection laws, primarily under the Fair Debt Collection Practices Act ( FDCPA ) and possibly state laws. Here are the key violations that may apply : 1. Fair Debt Collection Practices Act ( FDCPA ) Violations XXXX ( XXXX ) ( A ) False Representation of Debt If both agencies claim they own the debt, but only XXXX has the legal right to collect, the other may be misrepresenting the debt. 

1692e ( 8 ) Communicating False Credit Information If both agencies report the same debt to credit bureaus, this could be deceptive.

1692f ( 1 ) Attempting to Collect an Unauthorized Amount If you pay XXXX agency and the other still tries to collect, they may be demanding money not legally owed. 

1692g Failure to Validate the Debt Properly If you dispute the debt and neither agency can prove ownership, their continued collection attempts may be illegal. 

XXXX. Possible State Law Violations Many states have their own debt collection laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Collection Regulations ) that may impose stricter rules, such as : Prohibiting dual debt collection on the same account. 

Requiring clearer proof of debt ownership before collection. 

XXXX. Fair Credit Reporting Act ( FCRA ) Violations ( If Reported to Credit Bureaus ) If both agencies report the same debt, this could lead to duplicate negative entries, harming your XXXX XXXX unlawfully. 

You can dispute inaccurate entries under XXXX ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
Issue Type : Debt settlement Company Name : Citizen Debt Relief Website : XXXX XXXX XXXX Email : XXXX Complaint : I enrolled in a debt relief program with Citizen Debt Relief in XX/XX/year>. Since then, I have made regular monthly payments, totaling more than the amount I was told I would need to settle my debts. I was promised that my debts would be negotiated and settled within approximately XXXX  months. It is now over XXXX months later, and as of today, not a single debt has been settled. 

I have repeatedly requested an update and documentation, including a full payment ledger and status of my enrolled debts, but I have received no clear response or evidence that any action has been taken on my behalf. 

This company has continued to take money from my account while providing no results and no transparency. I feel misled and taken advantage of. I am requesting a full investigation into their practices and assistance recovering my funds or achieving the debt relief I was promised. 

Requested Resolution : Immediate disclosure of my payment ledger and debt status A refund of fees or charges for services not rendered Regulatory investigation into Citizen Debt Reliefs business practices

Company response to consumer: Closed with explanation