vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: DE

Complaint narrative:
For over a year, Experian has failed to perform a thorough and lawful reinvestigation of several accounts and hard inquiries appearing on my credit report. 
Some of these accounts were previously disputed and deleted, yet have been reinserted without proper written notice or verification, which violates FCRA 611 ( a ) ( 5 ) ( B ).

Additionally, Experian continues to report unauthorized hard inquiries that I never initiated or consented to, and has not provided documentation or signatures verifying that I authorized those creditors to access my credit file. 

This ongoing negligence has harmed my creditworthiness and prevented me from securing personal and auto loans, despite multiple dispute attempts and clear proof that Experians investigations were incomplete. 

Negative Accounts in Question : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charged off ( {$460.00} ) XXXX XXXX XXXX XXXX Charged off auto loan ( {$11000.00} XXXX XXXX XXXX  Account written off ( {$2200.00} ) These accounts were reinserted after previous disputes, and Experian failed to provide any verification documents from the original creditors. 

Unauthorized Hard Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And other similar auto loanrelated inquiries appearing from XXXX to XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint regarding a late payment and credit limit reduction by Bank of America. 

I have been a Bank of America customer since XXXX  and have always maintained my accounts in good standing. Earlier this year, I inadvertently missed a small balance of {$30.00}, which remained unpaid for about XXXX months. The account has since been paid in full and is current. 

Despite more than 15 years of positive history and consistent on-time payments, Bank of America reported the account as late, reduced my credit limit from {$16000.00} to {$500.00}, and refused my request for a goodwill adjustment.

I have spoken with the call center twice and contacted Executive Customer Relations, who merely referred me back to the call center without providing any review or resolution.

The banks representatives also incorrectly stated that federal regulations prohibit goodwill adjustments, which is not accurate under the Fair Credit Reporting Act.

As a result of the reported late payment and drastic credit line decrease, my credit score has fallen over XXXX points, from above XXXX to approximately XXXX, despite the account now being fully current and the amount involved being minimal. 

I am requesting the CFPBs assistance to have Bank of America : Review this matter at an executive level ; Remove or adjust the late payment as a one-time goodwill gesture ; and Reevaluate and restore the prior credit limit that was reduced following this isolated, paid-in-full oversight.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate entries on my credit report. These inaccuracies are severely affecting my creditworthiness and are causing me undue stress and potential financial harm. I demand immediate investigation and correction/removal of the following items : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX have never lived at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have no connection to this address. 
These incorrect addresses suggest identity confusion or reporting errors, which must be corrected immediately. 

Collection Account : XX/XX/XXXX, Account # XXXX High Balance : {$1900.00}, Date Opened : XX/XX/XXXX I have no knowledge of this account and deny any responsibility. I request that this account be thoroughly investigated and deleted from my credit report if verification can not be provided. 

Bankruptcy : Chapter XXXX Bankruptcy, Case # XXXX, Date Filed/Reported : XX/XX/XXXX This bankruptcy listing is inaccurate. I have never filed for bankruptcy under my name or XXXX. I demand immediate verification, and if it can not be verified, this entry must be removed permanently. 

Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. These inquiries are damaging my credit score and must be removed immediately. 

These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate, verifiable, and complete. I request that you take immediate action to : XXXX a full investigation of the above accounts and entries. 

Delete or correct any information that can not be verified as accurate. 

Provide written confirmation of all actions taken regarding this complaint. 

Please treat this matter with urgency, as these errors are negatively impacting my ability to obtain credit and are causing financial and emotional distress. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several accounts and inquiries that appear on my TransUnion credit report. I believe these entries are inaccurate and need to be corrected or removed following an investigation. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} BANKRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Card Date : XX/XX/XXXX XXXX  For Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint because Bank of America closed my checking account on or about XXXX without providing a clear explanation or the required adverse-action notice. 

I contacted the bank multiple times by phone and in writing to request : -The specific reason for the closure, and -Disclosure of whether the decision was based in whole or in part on a consumer report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as required under the Fair Credit Reporting Act ( FCRA ). 
-The bank has not provided any written reason or notice, nor have I received confirmation regarding any remaining balance refund or mailed check.

Under federal law ( FCRA 615 ), I am entitled to an adverse-action notice identifying any consumer-reporting agency used and how to obtain a copy of that report.

I am requesting that the CFPB require Bank of America to : Provide a written explanation for the account closure ; Identify any consumer-reporting agency used and furnish the required adverse-action notice ; Confirm whether a balance remains and when I can expect disbursement ; and Ensure that no inaccurate or unjustified information is reported to XXXX XXXX XXXX XXXX or any other CRA. 

I request a written response from both the CFPB and Bank of America within the standard 15-day period.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
I needed to have the brakes fixed but the repair man said he would not fix it because the frame was cracked and it was that way when I bought it. I called the loan company and the woman I talked with said it could be wielded and to find a repair place to fix it. I tried to but none of the repair places in my city wouldn't do it because they said it was to dangerous to drive. I called the loan company back and left several messages with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Prior to falling behind on loan repayments, I made several documented attempts to address the sudden payment increase, which was both outside of my budget and inconsistent with my original contractual agreement. Unfortunately, these concerns were repeatedly ignored. 

I sent multiple emails to XXXX on the following dates without receiving meaningful assistance : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I spoke directly with XXXX in the Executive Office and XXXX, the manager at the XXXX branch, but no resolution was provided. 

At this time, I am awaiting a claim determination from the vendor handling involuntary unemployment claims for your company. Despite this, I have already visited your office and made several attempts to discuss affordable repayment options. The lack of cooperation and unwillingness to provide reasonable solutions has left me with no clear path forward. 

Given that my last day of employment was XX/XX/year> and my significant decrease in income, it is unreasonable to expect me to pay over {$600.00} per month under these circumstances. Daily collection calls that merely repeat I am behind on payments while offering no meaningful assistance are unhelpful, unnecessarily stressful and feel like harassment. 

Currently, I received a ten ( 10 ) day notice advising of an Intent to repossess my vehicle, I completed outreach to XXXX at XXXX to discuss a XXXX  XXXX  and havent received any response or detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with explanation