vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke with XXXX XXXX and another staff member to add another person to my personal checking account. 

After spending a lot time going back and forth with failed electronic documentation I was asked to sign a few paper documents granting permissions for account access and a signature card. 

I asked for photo copies for the documentation I signed for my records and was outright refused for copies of both documents. 

From my understanding and personal investigation it is illegal in the state of Washington to refuse to provide copies of anything that has been signed, especially health or financial records. Personally, I have never been refused for a copy of any document I have ever signed, under any circumstance.

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 2025-04-20 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: NE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Hard Inquieres 1. XXXX ( XX/XX/year> ) 2. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. System, Inc. and XXXX  Credit Bureau are attempting to collect a supposed debt I do not owe. I already litigated this same issue with the CFPB ( case XXXX ) and XXXX  in XXXX and XX/XX/2022. It was resolved in my favor and any negative information was removed from my credit report. They now want to relitigate the same issue, post negative information on my credit report and XXXX  told me that any time a new collection agency wants to, they can reopen the case and so this harassment and harm to myself may never cease.

I do not have time for this or to continue proving my incense when they have no basis of provable facts to the contrary. Both XXXX  and I.C. System Inc. must cease and desist and correct the harm they are trying to inflict on me. This is the consumer statement I posted on my XXXX  page, ( they only allow XXXX characters in an attempt to limit what a consumer may have to say in their defense ) : It is my opinion and the facts show that XXXX  and the collection agencies participate in XXXX XXXX XXXX XXXX in an attempt to intimidate, coerce and threaten consumers into paying money that is not owed. IC Systems claims I owe XXXX which is false. XXXX  claims this is verified but their verification process is to accept whatever the business says and to disregard documentation and proof presented by the consumer. How is it possible to owe a cable company when they bill IN ADVANCE and will cut off service in an instant if it is not paid IN ADVANCE. This same issue was already resolved in my favor by XXXX  and by CFPB in XX/XX/2022. Now I am told that since a new company bought the supposed debt, the past resolution of the same issue needs to be relitigated. I do not have to repeatedly prove the same issue and now that the CFPB is being gutted the consumer has been stripped of any rights. I will leave to God the judgement on the greedy and wicked individuals who take part in these practices ( XXXXXXXX XXXX XXXX XXXX XXXX ) Read it.

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 2025-04-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-20 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
The information is not inaccurate by law 1681 ( e ) ( b ) 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. They have Co which mean charge off it was reported from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX then in XX/XX/XXXX it says C theres a lot of inaccuracy. Another thing is I was told I dont have an account with XXXX XXXX . So I told them if I dont they need to delete what they reported on my credit report. Then they said I do and I ask for my 1099c documents since they reported it as a charge off on my credit report. They told me I would have to get it from the debt collector they send it to cause they dont have it. So I ask which one I do or I dont they told me I do so u ask for my account information they told me they dont have it. Theres a lot of inaccurate information going on I need this deleted off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
This is for Transunion only because it is the only agency that is reporting it. XXXX XXXX  late payment history from almost XXXX  years ago. As well as paid in full almost XXXX  years ago. Has reported a late payment from XX/XX/year>. I have provided proof multiple times that XXXX has stated that they are willing to remove the late payment and make the status paid, closed/never late and remove that from the report. Its been almost XXXX  years and this is the only negative thing affecting my credit score besides the collection for {$610.00} which is a medical collection which does not belong to me I have not been to the hospital or had medical care in many years again Transunion is the only one reporting it if you look at my credit history, you will notice that I do not make late payments. I have XXXX accounts and none of them have late payment history.

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 2025-04-20 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I discovered an Apple Card account was fraudulently opened in my name by Goldman Sachs Bank USA. I never applied for, authorized, or used this account. It has severely impacted my credit score, dropping it from XXXX to XXXX. I submitted dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Goldman Sachs has failed to properly investigate and continues to report this unauthorized account to the credit bureaus. 
I am a XXXX with limited English proficiency. The emotional distress and financial consequences have been devastating. I respectfully request that CFPB investigate and assist in the permanent removal of this account from my credit file. 
Supporting documents available : copies of my disputes and credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I disputed incorrect items on my credit report for all XXXX bureaus they its been XXXX days they have not sent any proof of y the items should be on my report they did not delete items and some even refused the dispute after showing proof of identity. The inaccuracies are still on the report and the Transunion Equifax and Experian are refusing to investigate or remove items.

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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase by dialing the phone number on the back of my credit card. The phone number is ( XXXX ) XXXX. I called on XX/XX/year>, on or about XXXXXXXX XXXX XXXXXXXX. I dialed from my phone number associated with my account which is ( XXXX ) XXXX. I spoke to an American female agent who identified as account supervisor. She continued to interrupt after I asked her not to. I had to ask her the same question three ( 3 ) times in order to get an answer. I asked her am I fully authenticated? She refused to provide an answer until my third time asking the question. When I confronted her, she again, deliberately and willfully interrupted then she said she was going to terminate the phone call, and she followed through and disconnected. In addition, I asked for her name and she refused. I never used profanity or made threats. Moreover, I have the phone call recorded as evidence. I seek to hold Chase accountable. Please terminate her employing and deny unemployment insurance. Furthermore, account supervisors should be held to higher expectations. Her behavior was egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account witH TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-20 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:
dispisted theese accounts never recieve any proof back from them

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 2025-04-20 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 2025-04-20 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: GA

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof

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 2025-04-20 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 am filing this statement to formally report that several accounts appearing on my credit reportspecifically through XXXX not mine. These accounts were opened, reported, and sold to collection agencies without my knowledge, consent, or permission. Despite providing evidence, Experian has continuously refused to remove them from my file, even though they do not appear on Equifax or TransUnion, which raises further concern about the accuracy and legality of the reporting. 

The following accounts are being falsely reported and must be investigated and removed immediately : XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX These accounts were not opened or authorized by me. In addition, many were sold to third-party collectors without my consent, in direct violation of my rights under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and using consumer credit data. Reporting or selling unauthorized debts is not one of them. 

I am requesting immediate removal of these accounts from all of my credit reports. This is an official statement that they are not mine, and I am demanding full compliance with the Fair Credit Reporting Act ( FCRA ). If they can not be fully verified and validated, they must be deleted. 

Thank you for your attention and swift action.

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