vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Credit Report Dispute and Demand for Compliance under FCRA and CFPA To Whom It May Concern, I am writing to dispute the accuracy and completeness of certain item ( s ) on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Consumer Financial Protection Act ( 12 U.S.C. 5536 ), I am asserting my legal rights as a consumer and demanding immediate reinvestigation and correction of the erroneous information.

The following item ( s ) are being disputed for being inaccurate, incomplete, or unverifiable : 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 XXXX XXXX XXXX XXXX XXXX XXXX I am also enclosing supporting documentation, including [ list what youre including, e.g., payment records, letters from creditors, proof of settlement, etc. ].

You are required to : Conduct a reasonable reinvestigation of each disputed item ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) ; Forward all relevant information to the data furnisher ( 15 U.S.C. 1681i ( a ) ( 2 ) ) ; Provide me written results of the reinvestigation and a free copy of my updated report ( 15 U.S.C. 1681i ( a ) ( 6 ) ) ; Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, you may not reinsert any deleted information unless it is certified as accurate by the furnisher and I am notified within 5 business days ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - ( C ) ).

I am aware that the Consumer Financial Protection Bureau has filed suit against Experian for failing to follow these procedures and mismanaging consumer disputes. Your obligation is to handle my dispute fairly, accurately, and within the 30-day statutory period. Failure to do so will result in a complaint to the CFPB and possibly legal action under federal law.

Please respond to this dispute at your earliest convenience, and no later than 30 days from the date of receipt.

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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
The company repossessed and sold the vehicle. They are currently garnishing my check for higher than the amount they sold the car for. The amount they are garnishing from my check is close to {$6000.00}. The vehicle was damaged and sold for less than amount they are garnishing.

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 2025-07-31 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i need this consumer/company deleted off my credit i have been having an ongoing battle with them finally was able to submit a report and show my claim. i will attach everything so you can see if it is fraudulent and needs to be removed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This company is a reporting a late when it was not late. This company is affecting my credit negatively and stopping me from purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX Bank of America account was closed after I deposited a check that was not issued in my name. The check was from my friend, and I have made several attempts to clarify the situation with the bank, including phone calls and an in-person visit. Despite this, the bank has continued to hold the check, valued at approximately {$3000.00}, on the grounds that it is under review due to suspected fraud. I fully understand that the check can not be deposited into my account since it is not made out to me. I am not requesting that the funds be released to me, instead, I have simply asked the bank to return the check or the funds to the original issuer. However, Bank of America has refused to provide any resolution or even a timeframe for when the review will be completed or when the check will be returned. I believe this is an unreasonable and unfair withholding of funds, especially given that I am not seeking the money myself but requesting it be returned to its rightful owner. I am seeking assistance in resolving this matter promptly.

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 2025-07-31 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are unauthorized inquiries on my credit report & also a address thats not associated with me..

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 2025-07-31 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 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 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 XXXXXX/XX/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 2025-07-31 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 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 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 XXXXXX/XX/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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my bank account without warning and, more importantly, placed a block on my phone number within the XXXX network. I contacted XXXX directly, and they confirmed that only Chase has the authority to remove this block but Chase refuses to do so and only cited a vague reason of XXXX issues, without offering any specific explanation. 

This block now prevents me from using XXXX with any bank, not just Chase, and I have no way to appeal or defend myself. I was not engaged in any fraudulent or inappropriate activity. All my XXXX transfers were legitimate, and I have committed no wrongdoing. 

I am requesting that Chase remove the XXXX restriction placed on my phone number, and provide clear documentation or justification explaining why this restriction was placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
This company is processing false information and I would like it removed please

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Demand Text : I was a Bank of America customer when multiple accounts were opened in my name without my knowledge or consent. I was also double-charged NSF and overdraft fees, and certain credit card rewards were never honored or credited to my account.

These practices directly reflect the CFPBs XX/XX/year> enforcement action against Bank of America for similar misconduct, including illegal junk fees, fake account creation, and withheld customer rewards. 

I am demanding the following within XXXX  days : Full reversal and reimbursement of unauthorized fees and missing rewards Immediate removal of all adverse credit entries connected to these practices Payment of {$9900.00} in damages for financial harm, emotional distress, and reputational damage Failure to respond will result in a formal CFPB complaint, legal escalation, and potential small claims filing. This is your opportunity to resolve the matter before further action is taken.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX XXXX and noticed my XXXX XXXX dropped XXXX points. I couldn't understand why so I signed up for Experian and saw the XXXX missed loan payments from XXXX. I was never aware of the switching of the servicer as I thought these loans were put on hold. I even tried to call them and pay it, they said they'd send me an email and never did. 

I found out it was XXXX and they reported to the credit bureaus that I was XXXX  days late on XXXX XXXX XXXX under {$4000.00}. A total payment of {$140.00} a month. I called them, logged in and paid the past due balance immediately. I called and asked what can be done to fight the credit reporting. They told me to write a letter with all of the information above. They had the wrong email, physical address and my mothers phone number on file. 

I come to find out that they called my XXXX  a few times but it came in as " Spam Likely '', unintentionally blocking the call on arrival. I know this because when I called them we got disconnected and they called me back. I sent a letter for dispute on XX/XX/year>. 

Today, XX/XX/XXXX, exactly 30 days later, they have sent me an email declining my request for dispute without acknowledging that they failed to contact me that the loan payments were due. I've asked to speak to a supervisor three different times and was told there is nothing they can help you with. In fact, I was hung up on XXXX different occasions when asking to do so. 

My XXXX XXXX dropped XXXX points in XXXX months. I was never contacted or made aware that this was due. I've never missed a payment with my previous servicer or any other loans/ credit card payments in my life. 

I've offered to pay the loan in full if they could remove the negative impact they have made on my credit. They declined over and over again.

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 2025-07-31 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:
On XX/XX/year>, Equifax reported my XXXX XXXX XXXXXXXX account increased by XXXX and my credit score was deducted XXXX points. 

On XX/XX/year> Equifax reported a decrease of XXXX on my XXXX account and increased my credit score by XXXX point only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
a Bank of America customer from approximately XXXX to XXXX. During that time, I experienced multiple violations that caused significant financial and emotional harm. Specifically : Unauthorized accounts and/or credit lines were opened in my name without my clear consent. I only became aware of these accounts after they began accumulating fees or showed up on my credit report. 
I was charged multiple overdraft and NSF ( non-sufficient funds ) fees on the same transactions, without being given clear notice or an opportunity to opt out. 
I enrolled in a rewards-based credit card, but the rewards ( cashback and bonuses ) were withheld or clawed back without explanation despite qualifying purchases. 
After my accounts were closed, Bank of America submitted negative credit information that I believe was inaccurate or related to products I never requested. 
I attempted to dispute these matters with Bank of America at the time, but no resolution was ever provided. They failed to investigate and did not respond to my concerns. 

These actions caused measurable damage to my credit, financial stability, and personal well-being. I have experienced housing application denials, increased interest rates, and lasting emotional stress as a result.

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