vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE ASKED FOR A VOLUNTEER REPOSSION AND HAVE SENT MANY LETTERS. TO BANK OF AMERICA CUSTOMER SERVICE AND ONE OR TWO TO THE LOCAL BANK OF AMERICA BRANCH AND I ALSO WIRTTEN BANK OF AMERICA AT AND THE CAR IS SITTING OUTISDE MY HOME ON THE STREET ON THE STATUS WITH THE DMV OF NON-OPEARTIVE, IT HAS BEEN THAT WAY FOR TWLEVLE MONTHS, AND STILL NO ADVICE FROM BANK OF AMERICA. I HAVE TALKED TO SOMEONE ON THE PHONE ONLY TO GET A WISE REMARK OF AM I LOOKING FOR A JOB. SO, IN MY DEFENSE I KEPT UP WITH PAYMENT FOR THE FIRS 18 MONTHS OF THE LOAN WITH NOT LATE PAYMENTS WHAT SO EVER, AND NOT ONLY THAT I WAS ALSO PAYING MORE THEN THE MINIMUM FOR THE FIRST PART OF MY LOAN CONTRACT, NOT ONLY THAT THE FIRST SIX MONTHS I HAD THE VEHICLE ON NON-OPEARTIVE STATUS I WAS MAKING PAYENTS AND ON TIME. BECAUSE THAT IS HOW MUCH I RESPECTED MY RELATIONSHIP WITH BANK OF AMERICA, AND BRAND I TRULY BELIEVED IN BEFORE IS STARTED GETTING IN FINANCIAL PROBLEMS OF NOT BEING ABLE TO EARN ANY INCOME.SO, WITH THAT BEING SAID, I DID GET A LETTER SAYING I HAVE A COLLATERAL NUMBER, AND COINCEDENTLY THE COLLATERAL NUMBER MATCHES MY VIN NUMBER IF I REMEMBER CORRECTLY. ( COATTERAL NUMBER FOUND ON MISPALCED LETTER FROM COLLECTIONS DEPARTMENT OF BANK OF AMERICA XXXX ) ( ALS0 VIN NUMBER XXXX ) ALSO THE AUTOMOBILE REGISTER IS SUSPENDED WITH THE DEPARTMENT OF MOTOR VEHICLES FOR NOT SHOWING PROOF OF INSURANCE, WHY WOULD I PAY {$120.00} A MONTH FOR CAR INSURANCE FOR A CAR I HAVE NOT BEEN DRIVING FOR OVER TWELVE MONTHS? HERE IS THE Account XXXX XXXX XXXX XXXX WHO IS IN CHARGE OF THE COLLATERAL NUMBER MEANING WHO GETS THE COLLATERAL? OR AT LEAST SOMEONE PICK UP THE VOLUNTEER REPOCCESSION?

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$4800.00}

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 2025-12-01 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: PA

Complaint narrative:
This is now my XXXX  and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and XXXX  XXXX  laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-01 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: AR

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WI

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-01 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: AR

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  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 2025-12-01 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-01 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate, and these errors are severely impacting me in ways that are unacceptable. This situation is untenable, and correcting or removing these inaccuracies is essential for my well-being.

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 2025-12-01 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate, and these errors are severely impacting me in ways that are unacceptable. This situation is untenable, and correcting or removing these inaccuracies is essential for my well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
I received the email below Starting XX/XX/year>, if you have an outstanding XXXX  balance after your expected pay date, Chime will use any incoming deposit into your Chime Checking Account to make a payment. For more information, see XXXX Agreement. 
We previously implemented this change on XX/XX/year>, but you may not have received advance notice. 
How were making it right To make it right, {$210.00} will be refunded to your Chime Checking Account by XX/XX/year>. The refunded amount will also be added back to your outstanding XXXX balance and may affect your XXXX Available Now amount. To avoid this, you can settle your full balance by making a payment in the app. 
We wont attempt to use the refunded amount for XXXX  repayment, but it may go toward any negative balance in your Checking Account. 
Youll also receive a courtesy credit. Its based on the amount we refund to your checking account, the number of days that passed after the impacted repayments were collected, and an annual interest rate of 22 %. 

My account was credited XXXX the email did not state this would mean my my pay would go back to have an outstanding balance. My my pay has been repaid since XX/XX/year>. The email is misleading because if the email specified the credit would make my my pay account outstanding again and I already paid it they should have never given me a credit the account was paid. Today they took XXXX of my rent money and stated it went to a XXXX  repayment and since they gave me a credit that I never asked for I owe this amount. Never was it stated the credit was provisional and this is unethical and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am extremely upset to see that unauthorized inquiries are still showing up on my credit report this morning, and I have no idea why they are still there. The unauthorized inquiries did not disappear even after I refreshed my browser. I need the documents I sent to be reviewed right away so I can finally stop XXXX  over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-01 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
Experian and TransUnion are reporting a bankruptcy that they can not currently verify. I requested verification multiple times, including the source used and the method of verification, and neither bureau has provided any documentation or proof. 

Both bureaus identify XXXX as their public-record provider. I have written statements from XXXX confirming that : No bankruptcy is listed in my public records They attempted to verify the record and received no confirmation from any source They notified the credit bureaus that an update was required Despite this, Experian and TransUnion continue reporting the bankruptcy without a valid or current source. Their responses show a pattern of delay and avoidance instead of providing verification or correcting the item.

These actions violate FCRA 611 ( a ), which requires consumer reporting agencies to ensure all information is accurate, verifiable, and updated. Continuing to report a public record that their own vendor can not verify has caused repeated denials for housing, transportation, and credit, as well as additional hard inquiries and financial hardship. 

I am requesting a full investigation into why the credit bureaus are continuing to report an unverifiable public record and why they ignored the update provided by their third-party vendor.

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 2025-12-01 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Amount : {$760.00} Opened : XX/XX/year> This item has repeated data discrepancies, incomplete payment history, and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In previous un answered complaint company send multiple text and emails wanting payments within a month being a customer, I had to pay off card three separate occasions THEY DECLINED PURCHASES HOLDING ME HOSTAGEV FOR PAYMENT now there texting and harassing me stating overdue payment and threatening my credit as well saying AGAIN payment overdue BOTTOM LINE THEY NEED TO GIVE ME BACK MY POINTS CALIFORNIA STATE LAW I will not make anymore payments on account til I receive my point credits BOTTOM LINE BY FEDERAL LAW AND THE FAIR CREDIT LAWS THEY CAN NOT REPORT LATE PAYMENT UNTIL 30 DAYS PAST DUE WHICH WOULD BE XX/XX/year> also I would like to add they raised my Statement balance from XXXX XXXX to XXXX XXXX t5his company is operating against the law and needs to be public known as well asking for a credit for there high price annual fees I opened and closed this account within 1 month and spent with this company SORRY XXXX COMPANY over XXXX XXXX dollars THERE RESPECT AND HONOR FOR THERE CUSTOMERS OUR LOUSY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
Experian and TransUnion are reporting a bankruptcy that they can not currently verify. I requested verification multiple times, including the source used and the method of verification, and neither bureau has provided any documentation or proof. 

Both bureaus identify XXXX as their public-record provider. I have written statements from XXXX confirming that : No bankruptcy is listed in my public records They attempted to verify the record and received no confirmation from any source They notified the credit bureaus that an update was required Despite this, Experian and TransUnion continue reporting the bankruptcy without a valid or current source. Their responses show a pattern of delay and avoidance instead of providing verification or correcting the item.

These actions violate FCRA 611 ( a ), which requires consumer reporting agencies to ensure all information is accurate, verifiable, and updated. Continuing to report a public record that their own vendor can not verify has caused repeated denials for housing, transportation, and credit, as well as additional hard inquiries and financial hardship. 

I am requesting a full investigation into why the credit bureaus are continuing to report an unverifiable public record and why they ignored the update provided by their third-party vendor.

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 2025-12-01 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My account was closed for an alleged terms of service violation on or around XX/XX/XXXX. I opened the account originally around XX/XX/XXXX and have never had any issues. I have never used the account for anything besides work and points accrual at various local restaurants. I filed an appeal and received a response to that on XX/XX/XXXX which indicated my account was linked to a terms of service violation that involved gambling. I called and spoke to a representative as my account doesnt have any transactions involving sending, receiving, paying, requesting or any other monetary transaction. Cashapp offers points rewards programs and the only transactions on my account are points earned when I buy coffee. I dont and never have had linked bank accounts or debit cards on my cashapp account. I appealed a second time on XX/XX/XXXX and am currently awaiting a response. Customer service representatives cant help me, there is apparently no way to speak directly to a supervisor and whoever is determining the outcome of the appeal is also not available to speak directly to. I use this cashapp account for work doing private investigations, as it is an open source resource that I use. As my account has been closed I have been unable to use it for work, potentially resulting in missed surveillance and claims resolution opportunities. I am unable to open another account as the accounts are confirmed with a social security number and if I attempt to open a new one it is flagged and closed. 
Added to update on XX/XX/XXXX : I have attempted to contact the company numerous times regarding my appeal filed on XX/XX/XXXX and have gotten copy and paste responses. I am unable to speak directly a supervisor, they can send me an email but I can not reply back or talk to them on the phone, I am unable to speak directly to anyone on the " specialty team '' that is allegedly processing my request and it has now been a month since my account was originally closed. I am getting no resolution from the company, although I am continually told my complaint is being worked on.

Company response to consumer: Closed with explanation