vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX Bank of AMerica took money from my since-closed checking acct for XXXX XXXX and did not pay the bill. The bank did return the money on a card ending in XXXX in XXXX, however I misunderstood and thought they were billing me. Had I looked more carefully at the statement I would have seen the card had a Credit Balance. Once I realized my error I called every department of the bank and was promised a check would be sent to me, but none was. They did send a statement that a check was sent even with a check number, but no check. Finally, I went to Small Claims Court at which the judge refused to look at my evidence ... ..on two occasions. Next, she did everything in her power to help the bank rip me off. A friend who accompanied me was so shocked at the fraud and attempted extortion and corrupt behavior on the judge 's part he suffered a XXXX  XXXX and had to be hospitalized since last XXXX and I beleive has since died... all from the corrupt, XXXX work of Bank of America. No one has ever viewed my statements showing a credit balance not a debit... I've mailed them to the area president, been to both local branches where people tried to help... So, the bank has stolen my money put fraudulent claims damaging my credit, influenced an attorney I paid to not help me and lastly a judge to refuse to look at my evidence twice and may have caused the death of a beloved friend.

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 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

1. Identity Theft Account Number : XXXX 2. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report. I am requesting that the following information be deleted and blocked from future reporting : Name : XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  This information is the result of identity theft, and I did not authorized or benefit from these transactions. I have not obtained or knowingly obtained possession of goods, services, or moneys as a result of these transactions. 

I am making this dispute in good faith and am not making it based on a material misrepresentation of the facts. I would appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report. I am requesting that the following information be deleted and blocked from future reporting : Name : XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX This information is the result of identity theft, and I did not authorized or benefit from these transactions. I have not obtained or knowingly obtained possession of goods, services, or moneys as a result of these transactions. 

I am making this dispute in good faith and am not making it based on a material misrepresentation of the facts. I would appreciate your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report. I am requesting that the following information be deleted and blocked from future reporting : Name : XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Employment information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  This information is the result of identity theft, and I did not authorized or benefit from these transactions. I have not obtained or knowingly obtained possession of goods, services, or moneys as a result of these transactions. 

I am making this dispute in good faith and am not making it based on a material misrepresentation of the facts. I would appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XXXX, I called and got the payoff on my account. I told them that I didn't get a statement, and it caused me a late fee and interest. Also, it was a new card, and I never use it and just wanted to close the account and bring to a XXXX balance. I only got the card thinking I would use to get discounts and found out later they were not any other than initial first opening. They told me they would refund my Late Fee if I paid what they told me of {$150.00} then on the phone. I said, " If I pay the total now, will it reflect the {$30.00} late fee credit. She told me, it would take several days to post to the account. I asked them a second time if it would post and XXXX the account out. They said Yes. I wanted to make sure, as I was giving them the amount to pay to do this. On XXXX, there was a Refund of only {$15.00} ( XXXX of the Late Fee ), because of only giving me XXXX of refund it generated the following : Balance of {$15.00} with a XXXX Late Fee {$30.00}, XXXX Minimum Interest {$2.00}, XXXX {$15.00} Late Fee Debit. They have sent letters and call my Home Landline- ( Only use for Internet ), and my cell phone. I responded by calling XXXX talked with XXXX ( XXXX ) and XXXX ( XXXX ) and they kept saying you must pay and go back to your statement. It was hard to understand them ( accent from another country ), so I also sent a letter on XXXX, with all my notes and asked to close. This was not a purchase, but am error generated because they didn't do what was told to me. Please help me. I have a Great Score as I have worked hard to keep, and don't think this is fair to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, {$380.00} was charged to my Bank of America credit card by XXXX XXXX XXXX. Since I had not utilized the card prior for nearly a year, I had no knowledge of this charge until I received notification of an unpaid balance in late XXXX of XXXX. I immediately contacted the vendor, XXXX, to dispute the charge which resulted in a full refund. I then contacted Bank of America to inform them of the unauthorized charge and after their careful review, they agreed to return the late fees, any accumulated interest and all late charges. 
Unfortunately, and unbeknownst to me at the time, Bank of America had reported to the credit bureau 's that this balance was over-due/late. I opened a fraud claim, which Bank of America investigated. As a result of the investigation, Bank of America closed that card and re-issued me a new one. However, the report of the late payment was not changed. To this day, there is still a " late payment '' reflecting on my Bank of America for the month of XX/XX/year> even after I have submitted evidence that I did not authorize the charge, that XXXX agreed to refund the full amount and that Bank of America themselves even returned all the fees imposed from this charge. 
I had never had a late payment on any accounts in my entire history spanning over XXXX  years. I did not authorize the charge. I received a full refund from the vendor. I reported this info to Bank of America in XX/XX/year> and Bank of America returned their fees. I should not be penalized on my credit report for a late payment that was the result of a fraudulent/unauthorized charge.

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 2025-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have contacted and disputed these allegations against this company since XXXX the company XXXX XXXX sold this account to XXXX XXXX sold this falsified information and wrongful amounts to NATIONAL CREDIT SYSTEMS. I have ask them on several occasions to remove this false and fraud information from credit report because I do not owe a balance on anything. I have provide paperwork to the credit bureau, XXXX XXXX, XXXX XXXX, and national credit systems that I do not owe this company. and yet the credit bureau, XXXX XXXX, XXXXXXXX XXXX and national credit systems have yet to remove it from my credit report. This illegal falsified fraudulent information on my credit report has stop me from progressing in any housing for my family. This is ridiculous for this company to have illegal information on my credit report. And I am asking them again for the 5 year to removed this account from my credit report immediately. If I have to take legal action I will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
The company sent a letter saying they do not understand why I requested this information Theirs only 30 days to get information requested to be sent to customers not 60 days this unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-07 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-04-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: CA

Complaint narrative:
Experian Late Payment Dispute Inaccurate Reporting Needs Urgent Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-07 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report, I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray commission identity, theft, affidavit. please delete this items as soon as possible.

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