vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year>, while traveling in XXXX, XXXX, I was the victim of a robbery in which both my XXXX and credit card were stolen. Over the following days, while I was hospitalized and then confined to a hotel room due to a serious injury, a series of unauthorized charges were made to my credit card ending in XXXX. These included multiple cash advances, ATM fees, wire transfers, and retail purchases in XXXX totaling thousands of dollars. 

I reported the fraud to Bank of America on XX/XX/year>, as soon as I returned to the XXXX and regained access to my email. My initial claim was denied on XX/XX/XXXX. On XX/XX/XXXX, I visited a Bank of America branch, where a banker helped me fax a detailed fraud report and XXXX pages of supporting documents to the fraud department. On XX/XX/XXXX, I followed up by phone and was told no documents had been received. The representative ( XXXX ) reopened my case and provided faxing and mailing instructions. 

Despite informing the bank I would be sending documents shortly, the claim was denied again on XX/XX/XXXX before the documents were received. I have now compiled and submitted my full report, including evidence that I was incapacitated during the time of the transactions, and that the purchases made were entirely inconsistent with my spending history. 

I am requesting that this dispute be properly reconsidered in light of the documentation and in accordance with Regulation Z ( 12 CFR 1026.13 ), which requires a creditor to conduct a reasonable investigation when billing errors are reported.

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 monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-29 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: CA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on the account referenced in my credit report. This is not only factually incorrect, but it also constitutes a billing error under 15 U.S. Code 1666b, which clearly states that creditors must allow a reasonable period for payment and can not penalize a consumer for late payments when none actually occurred. 

Let me be completely clear : this account has always been paid on time and as agreed. I have never missed a payment on it, and I take great pride in maintaining a solid payment history. The appearance of late payments is flat-out wrong, and it is deeply frustrating to see my credit standing damaged over something I know for a fact is a reporting mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I paid off my debt ( {$1500.00} and {$360.00} ) on XX/XX/year> and the balance showed XXXX balance. But a few days later they continued to charge me interest and fee for {$62.00}. And now the balance shows I owe {$62.00}. What if I did not check the account and they would continue to charge me fee and interest later on since I thought I already paid off.it is very sneaky and scam for this business.

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 monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} Fraudulent Personal or XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$3200.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$580.00} Other Identity Theft Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$580.00}

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 2025-07-29 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: IL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Experian

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FC

RA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and
is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 XXXXXX/XX/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 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Urgent Request for Deletion of Inaccurate Credit Data Due to Identity Compromise To Whom It May Concern, I am writing to dispute and demand the removal of inaccurate or unauthorized items currently appearing on my Experian credit report. My identity was compromised as part of the XXXX  data breach announced in XXXX. This was confirmed in federal court in In re : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), finalized XX/XX/XXXX. 

While I understand that Experian was not responsible for the breach, I am informing you that the stolen information may have been used fraudulently to open accounts or submit false data now being reported on my Experian file. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate and delete any data that can not be verified as accurate. Therefore, I am requesting that you : Conduct a full investigation of the disputed items, Remove all unverifiable or fraudulent information immediately, and Please provide me with an updated credit report reflecting these deletions. 

This is a formal dispute. Please consider this notice to trigger your 30-day obligation to respond and correct or delete disputed data as required by law. 

I am attaching a copy of the federal court judgment for your reference, along with personal documentation. I will escalate to the Consumer Financial Protection Bureau ( CFPB ) if this matter is not resolved quickly and properly. 

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 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-07-29 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:
Dear Sir or Madam, I am filing this complaint against Equifax and Experian for reporting inaccurate information on my credit report, specifically a bankruptcy [ include case number or creditor, if known ] that XXXX removed from my report because it could not be verified. Attached is a copy of the letter from XXXX  confirming this removal. The continued reporting of this bankruptcy by Equifax and Experian is inconsistent with XXXX  action and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires credit reporting agencies to maintain accurate and verifiable information. 

I previously filed a complaint with the CFPB XXXX and disputed this information directly with Equifax and Experian, but I did not include the XXXX  letter as evidence at that time. Despite my efforts, these agencies have failed to correct the error, which is negatively impacting my credit and causing financial harm. 

I respectfully request the following : XXXX. That Equifax and Experian be directed to remove the bankruptcy from my credit reports, as it is unverifiable, as demonstrated by XXXX action. 
2. That an investigation be conducted into Equifax and Experians failure to comply with the FCRA by not correcting this inaccurate information.

Attached are the following documents : - Letter from XXXX confirming the removal of the bankruptcy. 
- Copies of my Equifax and Experian credit reports showing the disputed bankruptcy. 
- [ Other relevant documents, such as prior correspondence with Equifax, Experian, or the CFPB, Thank you for your attention to this matter. I look forward to a prompt resolution. Please contact me if you need additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express XXXX account was closed without my knowledge or consent. Amex still maintains possession of the funds that were held in the account ( approx. {$10000.00} ). Two deposits of {$5000.00} were made to the Amex XXXX from my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  checking account. One on XXXX and one on XXXX. these deposits were made separately due to the transfer limit of XXXX. After the Transfer went through, I noticed that I was unable to transfer any money in or out of my XXXX account. I assumed it was due to funds still being processed on Amex 's side. On XX/XX/XXXX I attempted to check again if there was still the same issue. When opening my Amex mobile app, I noticed my XXXX account was no longer visible. In turn, I logged into my online account and again I noticed my XXXX was gone. I called Amex immediately to fix the issue. After approx. 40 minutes of transferring departments and verifying my identity I was informed by a Rep. in the " Accounts Protection Department '' that Amex had closed my XXXX  account on XXXX due to a " business decision ''. I was not informed in any way, shape, or form that my account was closed. The Rep. stated that I was " sent a letter '' to inform me of the account closure. That did not happen. With a little research online, I found that no one whose XXXX XXXXcount was closed ever received a " letter '' informing them of account closure. I check my mail religiously and did receive a " letter '' from Amex, but all I received was statements for my credit cards. Again, no " letter '' was ever received. I was informed by the Amex Rep. that I will be receiving a check in the mail for the funds in my XXXX. I requested the funds be sent directly to the same XXXX checking account the funds originated from. They refused that request due to it not being " procedure ''. Instead, they will be sending me a check via mail for over {$10000.00} despite the risks involved in sending that large of a check in the mail. I have been loyal Amex costumer for nearly a decade with XXXX late or missed payments on my credit cards. Those funds in that XXXX  were supposed to be a deposit for a first-time home purchase for my family which is no longer an option due to Amex closing the account and giving me XXXX knowledge. In addition to that I am not accruing interest on the funds, and I do not have the option of placing the funds in a different XXXX Amex has completely disregarded me as a loyal costumer and has impacted my family 's life and mine causing us undue stress and financial anxiety. This action by Amex is extremely unprofessional and unacceptable and should be addressed and elevated to the highest level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Lets start by i have dispute this accunt several time for the past 2 years XXXX XXXX XXXX is inaccurately reporting my auto loan account on my credit reports, especially on Equifax. This account was paid in full and closed in XX/XX/XXXX with no missed payments. However, there are several significant errors and inconsistencies that continue to harm my credit profile : XXXX. False Late Payment Reporting Equifax is showing a 30-day late payment for XX/XX/XXXX, even though the loan has been paid off and closed for over four years. This is not possible, and it is highly damaging and misleading. 

XXXX. Mismatched Account Status and Dates All three bureaus report the account as closed/paid, but only Equifax is showing a recent late payment. TransUnion and Experian properly show the account as Closed or Paid, with no lates since payoff.

The Date Last Active and Date Last Payment fields are inconsistent among bureaus, but only Equifax is incorrectly assigning a recent delinquency. 

XXXX. Incorrect Account Term Information Equifax is displaying the account term as 0 months, while TransUnion and Experian list the correct term of 72 months. This should match for all three. 

XXXX. Account Comments/Notes Do Not Match Equifaxs notes state Closed or paid account/zero balance, but still flag a false late payment in XX/XX/XXXX, which is not possible for a closed and paid account. 

XXXX. Failure to Correct Despite Disputes I have previously disputed this issue multiple times, including most recently with Experian ( see attached dispute result Experian.pdf ). The account remains on my credit file with inaccurate late payment history and mismatched details. 

This is not the first time I have tried to fix this ; I have been disputing this for nearly two years, and the problem persists. 

Summary The presence of a false late payment after account closure is a direct violation of the Fair Credit Reporting Act ( FCRA ) requirement for accurate, complete, and non-misleading credit reporting. 

These errors are damaging my creditworthiness and should be immediately investigated and corrected. 

Attachments : Latest Experian dispute result ( XX/XX/XXXX ) Screenshots of reporting errors

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 2025-07-29 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: NC

Complaint narrative:
Lets start by i have dispute this accunt several time for the past 2 years XXXX XXXX XXXX is inaccurately reporting my auto loan account on my credit reports, especially on Equifax. This account was paid in full and closed in XX/XX/XXXX with no missed payments. However, there are several significant errors and inconsistencies that continue to harm my credit profile : XXXX. False Late Payment Reporting Equifax is showing a 30-day late payment for XX/XX/XXXX, even though the loan has been paid off and closed for over four years. This is not possible, and it is highly damaging and misleading. 

XXXX. Mismatched Account Status and Dates All three bureaus report the account as closed/paid, but only Equifax is showing a recent late payment. TransUnion and Experian properly show the account as Closed or Paid, with no lates since payoff.

The Date Last Active and Date Last Payment fields are inconsistent among bureaus, but only Equifax is incorrectly assigning a recent delinquency. 

XXXX. Incorrect Account Term Information Equifax is displaying the account term as 0 months, while TransUnion and Experian list the correct term of 72 months. This should match for all three. 

XXXX. Account Comments/Notes Do Not Match Equifaxs notes state Closed or paid account/zero balance, but still flag a false late payment in XX/XX/XXXX, which is not possible for a closed and paid account. 

XXXX. Failure to Correct Despite Disputes I have previously disputed this issue multiple times, including most recently with Experian ( see attached dispute result Experian.pdf ). The account remains on my credit file with inaccurate late payment history and mismatched details. 

This is not the first time I have tried to fix this ; I have been disputing this for nearly two years, and the problem persists. 

Summary The presence of a false late payment after account closure is a direct violation of the Fair Credit Reporting Act ( FCRA ) requirement for accurate, complete, and non-misleading credit reporting. 

These errors are damaging my creditworthiness and should be immediately investigated and corrected. 

Attachments : Latest Experian dispute result ( XX/XX/XXXX ) Screenshots of reporting errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am concerned that the manner in which my personal information was published may have violated my privacy rights via 15 U.S code 1681 a ( 4 ). I believe that in this case, my right to privacy may have been compromised beyond what is legally required or necessary. I would like to have this removed from my public record.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am concerned that the manner in which my personal information was published may have violated my privacy rights via 15 U.S code 1681 a ( 4 ). I believe that in this case, my right to privacy may have been compromised beyond what is legally required or necessary. I would like to have this removed from my public record.

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