vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXXDear Bank of America Executive Customer Relations Team,XXXXMy name is XXXX XXXX, and I am writing regarding my Bank of America account that was recently closed after I submitted a dispute claim. I have been informed that I will not receive my remaining balance until XXXX XXXX XXXXI want to clarify that I have not done anything wrong. I only requested a dispute on my account due to an issue with a transaction. After the dispute, my account was closed without a clear explanation, and my funds were placed on hold.XXXXI am currently experiencing a serious financial hardship  I need access to my money for essential living expenses such as rent, food, and bills. I have already called customer service and visited a branch, but they advised me to wait until XXXX XXXX. Unfortunately, I cannot wait that long without facing XXXX financial strain.XXXXI respectfully request that Bank of America review my case urgently and release my remaining funds as soon as possible. I am willing to provide any documents or verification necessary to help move this process forwardXXXXThank you for your time and understanding. I appreciate any help your team can provide to expedite this matter.XXXXSincerelyXXXX 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 monetary relief
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
I recently filed bankruptcy and there are items on all 3 of my credit reports that are still showing balances and late payments, I had fraudulent accounts on my credit report also like XXXX XXXX and XXXX XXXX that are still showing up on my credit reports. Transunion is showing an account with XXXX XXXX with the same account number at least 6 different times with different balances. Account # XXXX is showing different balances on every account and TransUnion has refused to delete these accounts, also transunion is showing XXXX account # XXXX as duplicate accounts with 2 different balances and this is also showing up on Experian the same way and they are also refusing to fix this issue. I have been sending in complaints to these companies with in the last 6 months and they have not corrected or deleted these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Re : Account No. XXXXXXXX XXXX XXXX XXXX with XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Under FCRA Dear TransUnion, I am disputing inaccurate derogatory information reported on my credit file for Account No. 
XXXXXXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX for the billing cycle ending XX/XX/year>. 
This reporting is inaccurate because : 1. XXXX XXXX XXXX failed to provide a billing statement as required under the Truth in Lending Act ( TILA ), Regulation Z, 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ) ; and 2. They enrolled my account in paperless billing without my consent, in violation of the E-Sign Act, 15 U.S.C. 7001 ( c ).

Because these violations constitute non-delivery of billing statements, any reported late payment is invalid. Reporting such information also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or incomplete information.

On [ Insert Date of Letter Sent to Creditor ], I sent a formal dispute letter to XXXX XXXX XXXX demanding correction ( a copy is enclosed for your review ).

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 2025-10-30 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: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Transunion, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by Upgrade ( Uplift ) on my credit reports. The reported delinquency is not accurate because I was told I had a 60-day grace period to make the payment before it would be considered late.

I have written email correspondence from Upgrade acknowledging that I may have received incorrect information regarding the 60-day deadline during a prior communication and that they apologize for any miscommunication. I relied on that information in good faith, made my payment within the 60-day timeframe, and my account has remained in good standing since.

Despite admitting that misinformation may have been given, Upgrade ( Uplift ) refused to correct or remove the 30-day late mark, which is now significantly impacting my credit and preventing the completion of my mortgage underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ID

Complaint narrative:
I am reporting a fraudulent inquiry that remains on my credit report despite my previous disputes and submission of an official Identity Theft Report to the Federal Trade Commission ( FTC ). I never authorized this company to access my credit file, nor did I apply for any credit with them. I also contacted Experian, and a representative assured me that the inquiry would be removed ; however, it is still present. This ongoing issue is causing unnecessary stress and concern, especially after I have taken all proper steps to verify that this inquiry resulted from identity theft.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Per my credit the loan is labeled as profit loss or charged off so they took a tax break yet I've yet to receive my 1099c in order to file as income. Per the law this should have been provided considering this company filed it on there taxes. This is grounds for an lawsuit for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing the account being reported by Jefferson Capital Systems. This company is a third-party debt collector that is reporting my personal and financial information without my consent or authorization. I was never notified that Jefferson Capital Systems had obtained this alleged debt, and I have not signed or agreed to any document allowing them to collect or report my data to any credit bureau.

At the time this account was opened or transferred, I had lost my job and fell behind financially. My inability to pay during that period does not give Jefferson Capital Systems the right to access, use, or report my private information without lawful proof of consent. They have failed to provide any signed documentation showing I agreed to this relationship or validated the debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act.

Furthermore, their reporting practices violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires accurate and verified data, and 15 U.S.C. 1681i, which requires a complete reinvestigation upon dispute. Instead, Jefferson Capital Systems has continued to furnish information to the credit bureaus without providing any proper validation or chain of assignment documentation showing they have legal ownership of this debt.

I never had any direct agreement with Jefferson Capital Systems, and I have never been provided a copy of a contract, signed by me, authorizing them to report this account. This means they are unlawfully processing and sharing my personal data with third parties in violation of the FCRA, FDCPA, and Texas Finance Codes prohibitions against unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
I am also disputing multiple inaccurate and outdated entries being reported by Experian that are either unverifiable, duplicative, or should be excluded under the FCRA time limits.

Accounts in Dispute ( Experian ) : XXXX XXXX XXXX # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX # XXXX, XX/XX/XXXX, {$0.00} XXXX  Various account numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), dated XXXX XXXX  Various accounts ( XXXX, XXXX, XXXX, XXXX ), XXXX XXXX XXXX # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX and # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX # XXXX ( XX/XX/XXXX, {$0.00} ) and # XXXX ( XX/XX/XXXX, {$1400.00} ) XXXX XXXX # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$3700.00} XXXX # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX # XXXX, XX/XX/XXXX, {$58000.00} Many of these accounts are beyond the seven-year reporting limit or are duplicates across furnishers ( XXXX ). Please provide verification and full documentation, or delete these items per FCRA 611 ( a ).

Inquiries in Dispute ( Experian ) : XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraud activity that occurred to my Bank of America account on XX/XX/year> and they assured me that they would act immediately on recovering the funds. Meaning that the same day I reported it. I have later learned that they took 2 weeks from the date I reported the fraud before they addressed my case and tried to recover the funds. I called them every week to get a status report, but they never answered any of my questions. They just replied that I needed to wait.

I sent several emails and faxes for months, and no response.

I believe that there was either negligence on the part of Bank of America on how they treated my case or that there was a Bank of America employee involved in the Fraud.

There was 6 transfers done, 4 out of the 6 were to other Bank of America account holders, that is why I think there was someone in Bank of America involved.

I am sending files that state what happened and why I am sending this complaint and demanding Bank of America reimburse the funds to my account.

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 2025-10-30 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the 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