vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NY

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


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


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


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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

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 1681. Account name : XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Account XXXX XXXXXXXX And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: CA

Complaint narrative:
I found out that I have a debt when the lender checked my credit. I have no debt with regional finance. If I have a debt, why would I ruin my name just because of {$2000.00}. I was able to bought a house by working very hard and save money. I was pay 15 % down payment in my house, that debt is not mine. I can not refinance my house to lower my payment because of that debt, please I would like to request for disputed the regional finance, I pay XXXX percent monthly for the house, I need to refinance to lower My monthly payment {$4000.00} every month. Please the regional finance still in my name. I need to dispute and erase it to my name please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii Unexplained Loan Balance Increase / Inadequate Resolution I am filing a complaint regarding an unexplained {$160.00} increase on my auto loan balance with Bank of Hawaii. Despite consistent on-time payments, my loan balance only decreased slightly between XXXX and XX/XX/year>. After my XXXX payment of {$570.00}, the current balance as of early XXXX is still showing as {$27000.00} higher than expected. 

I reviewed my statements and noticed a discrepancy in how much principal is being applied. I contacted Bank of Hawaii multiple times and was initially given conflicting answers XXXX rep said my insurance or interest had changed, another later backtracked and said no changes had occurred. 

I asked to speak with a supervisor, and eventually a manager did call me back. However, she was also unable to explain where the {$160.00} increase came from. I found this deeply frustrating, as I expect someone in management to be able to provide a clear breakdown especially when the error directly affects my loan balance and credit reporting. 

I am a licensed XXXX XXXX XXXX XXXX and communicated that I have limited availability due to my professional obligations. Despite this, I still have not received a written explanation, adjustment, or meaningful resolution. 

Im requesting a formal investigation into the account servicing, a detailed explanation of the increase, and if the charge is improper, that it be reversed and my balance corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi XXXX  XX/XX/year> I recently spoke with customer service, and they advised me to contact the credit union directly regarding a late payment that appears on my account report. 

The report indicates that my account was past due ; however, I never received any statement or notification regarding a missed or late payment. I have consistently made my payments on time, as reflected in my previous statements. I only became aware of this late fee and negative report when I began the process of refinancing my home. 

Given my history of timely payments and the lack of prior notice about any past-due amount, I kindly request that you review my account and consider removing the late payment and any related negative reporting from my credit record. 

Thank you very much for your time and understanding. I appreciate your assistance in resolving this matter.

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 2025-11-04 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 ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Retaliatory Call After Regulatory Complaints Submission Pressure During Active Investigations Dear Bank of America XXXX XXXX Team, On XX/XX/year>, I submitted a series of official complaints to CFPB, XXXX, and multiple oversight bodies, including copies to the XXXX XXXX, federal journalists, and Bank of America XXXX offices. 
Approximately XXXX minutes after sending those letters, I received XXXX consecutive calls from number XXXX ( XXXX ) XXXX ( XXXX, CA ). 

The caller began to discuss my Bank of America credit card and something related to payment, but I immediately requested a translator because I do not speak English fluently. 
At that moment, the caller abruptly hung up without explanation. 

I consider this call an act of retaliation and intimidation directly connected to my regulatory complaints. 
Any collection-related or investigative contact made after such submissions, especially without language assistance, represents a clear violation of FCRA XXXX, XXXX, FDCPA XXXX ( a ), XXXX, and XXXX VI of the Civil Rights Act. 
This call occurred during active CFPB and XXXX investigations ( BoA case ID XXXX ; CFPB complaints # XXXX, # XXXX et al. ) and therefore constitutes unauthorized pressure and harassment. 

Please provide in writing : XXXX. Whether this call originated from or on behalf of Bank of America ; XXXX. The name, department, and purpose of the caller ; XXXX. Confirmation that no further phone communication or payment requests will be made while my federal complaints remain open. 

I will attach this record as Evidence # XXXX Retaliatory Call and forward it to CFPB, XXXX, and FCC for review under the XXXX XXXX XXXX and Debt Collection laws. 

Sincerely, XXXX XXXX XXXX, CA 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I submitted a timely Validation of Debt request to EASTERN ACCOUNT SYSTEM regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$390.00} under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, EASTERN ACCOUNT SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of XXXX U.S.C. XXXX of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ), for reporting unverifiable or inaccurate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable and negligent. 

The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm, and I will not tolerate it any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable and negligent. 

The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm, and I will not tolerate it any longer.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
The following items are fraudulent accounts : 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 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 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 2025-11-05 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: RI

Complaint narrative:
The following items are fraudulent accounts : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I RECEIVED AN EMAIL FROM BANK OF AMERICA XXXX  STATING THEY SENT OUT XXXX CHECKS BUT NOTICED I DIDNT CASH OR DEPOSIT THEM. PLEASE CALL TO RE-ISSUE THESE CHECKS. SO I CALLED BANK OF AMERICA AND GAVE THEM MY NEW ADDRESS SO THAT THESE XXXX CHECKS CAN BE SENT OUT TO ME. I WAITED 21 DAYS FOR THE FIRST RE-ISSUE, ONLY TO FIND OUT BANK OF AMERICA PUT THE WRONG ADDRESS ( EVEN THOUGH THEY REPEATED MY ADDRESS ). I ASK TO SPEAK TO A SUPERVISOR AND SHE TOLD ME THAT I HAD TO GET THEM RE-ISSUED ONCE AGAIN DUE TO THE FACT THAT BANK OF AMERICA PUT THE WRONG ADDRESS. ONCE AGAIN FOR THE SECOND TIME THEY RE-ISSUED THE CHECKS. THIS XXXX TIME THEY WERE RE-ISSUED I WAITED 19 DAYS AND ONCE AGAIN BANK OF AMERICA PUT THE INCORRECT ADDRESS. EVEN THOUGH I ASK BANK OF AMERICA TO REPEAT THE ADDRESS, THEY CONTINUE TO PUT THE WRONG ADDRESS. NOW I HAD TO HAVE BANK OF AMERICA RE-ISSUE FOR THE XXXX TIME. I ASK THEM TO REPEAT MY ADDRESS TO MAKE SURE IT IS CORRECT. YET STILL I HAVENT RECEIVED MY XXXX CHECKS. WHICH MAKES ME WONDER IF THERE EVEN SENDING THE CHECKS OUT. THIS IS 3 TIMES I HAD TO HAVE MY CHECKS RE-ISSUED. YET EVRYTIME I CALL BANK OF AMERICA THEY TELL ME THE SAME THING BUT STILL IM NOT RECEIVING MY XXXX CHECKS. 
XX/XX/year> WAS THE FIRST RE-ISSUE, XX/XX/year> WAS SECOND RE-ISSUE, XX/XX/year> IS XXXX RE-ISSUE, STILL NO CHECKS.

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 2025-11-04 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2100.00} - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$5000.00} - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9900.00} - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$5500.00} - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3100.00} - Date Opened : XX/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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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