vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
mplaint/ I deposited a paycheck into my Bank of America account on XX/XX/year>. The check was issued by a third party, and I deposited it in good faith, as it came from my employer. Shortly after, my account ending in XXXX was closed without notice. I received a letter, but I no longer have it and was not given a clear reason. When I contacted Bank of America, they simply said it was due to bank policy and refused to provide options or specific explanations. I was not involved in any fraudulent activity and I rely on that account. I am requesting a formal review and assistance in clearing my record.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted all three major credit reporting agenciesEquifax, Experian, and TransUnionregarding inaccurate and outdated information on my credit report. Despite submitting disputes and providing documentation, these agencies have failed to update or remove the false data. Instead, they continue to report incorrect information that negatively affects my credit standing. Additionally, I find it unacceptable that I am required to pay to view my credit score from one of these agencies, even while they allow harmful inaccuracies to remain uncorrected. This ongoing negligence has caused unnecessary financial stress and hardship.

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 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against all three major credit reporting agencies ( Experian, Equifax, TransUnion ) for continuing to report unauthorized, unverifiable, and derogatory accounts on my credit reports in violation of : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) My right to privacy and consent. 
The following accounts continue to report negatively after disputes and with no proof of authorization : XXXX XXXX XXXX ( Charge Off, unauthorized ) XXXX XXXXXXXX XXXX XXXXXXXX ( Paid/Closed but derogatory XXXX XXXX XXXX XXXX XXXX ( Disputed ) XXXX XXXX  XXXX XXXX ( Disputed ) XXXX XXXX XXXX  ( Deferred + disputed ) I have exhausted all options through direct disputes. The bureaus continue to violate FCRA 1681i, 1681e ( b ), and 1681c, as well as unauthorized reporting under 604.

I request CFPB take immediate regulatory action and require these agencies to delete all unverifiable accounts immediately.

This is a formal notice of all credit reporting agencies and the data furnishers ' failure to comply with Metro 2 reporting standards, FCRA 1681e ( b ), and your duty to maintain accurate, complete, and verifiable consumer records. 

You continue to report derogatory data for the following : XXXX XXXX XXXX ( Charge Off ) XXXX XXXX BANK XXXX ( Paid/Closed but derogatory ) XXXX XXXX ( Disputed / Closed ) XXXX XXXX XXXX XXXX  ( Disputed ) XXXX XXXX XXXX ( Disputed/Deferred ) Your reporting violates Metro 2 standards regarding : Status codes Removal of unverifiable information Proper coding for disputed and settled accounts Additionally, no permissible purpose or consumer consent exists for continued reporting of this information ( FCRA 604 ).

DEMAND FOR DELETION You are directed to delete these items immediately to comply with Metro 2 standards and federal law. Failure to comply will result in : Formal complaints to CFPB, FTC, State Attorney General Civil action for violations of FCRA 1681n and 1681o Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I am filing this complaint against all three major credit reporting agencies ( Experian, Equifax, TransUnion ) for continuing to report unauthorized, unverifiable, and derogatory accounts on my credit reports in violation of : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) My right to privacy and consent. 
The following accounts continue to report negatively after disputes and with no proof of authorization : XXXX XXXX XXXX ( Charge Off, unauthorized ) XXXX XXXX XXXX  XXXX ( Paid/Closed but derogatory ) XXXX XXXXXXXX XXXX XXXX ( Disputed ) XXXX XXXX XXXX XXXX ( Disputed ) XXXX XXXX XXXX  ( Deferred + disputed ) I have exhausted all options through direct disputes. The bureaus continue to violate FCRA 1681i, 1681e ( b ), and 1681c, as well as unauthorized reporting under 604.

I request CFPB take immediate regulatory action and require these agencies to delete all unverifiable accounts immediately.

This is a formal notice of all credit reporting agencies and the data furnishers ' failure to comply with Metro 2 reporting standards, FCRA 1681e ( b ), and your duty to maintain accurate, complete, and verifiable consumer records.

You continue to report derogatory data for the following : XXXX XXXX XXXX ( Charge Off ) XXXX XXXXXXXX XXXX XXXXXXXX ( Paid/Closed but derogatory ) XXXX XXXXXXXX ( Disputed / Closed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Disputed/Deferred ) Your reporting violates Metro 2 standards regarding : Status codes Removal of unverifiable information Proper coding for disputed and settled accounts Additionally, no permissible purpose or consumer consent exists for continued reporting of this information ( FCRA 604 ).

DEMAND FOR DELETION You are directed to delete these items immediately to comply with Metro 2 standards and federal law. Failure to comply will result in : Formal complaints to CFPB, FTC, State Attorney General Civil action for violations of FCRA 1681n and 1681o Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I am filing this complaint against all three major credit reporting agencies ( Experian, Equifax, TransUnion ) for continuing to report unauthorized, unverifiable, and derogatory accounts on my credit reports in violation of : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) My right to privacy and consent. 
The following accounts continue to report negatively after disputes and with no proof of authorization : XXXX XXXX XXXX ( Charge Off, unauthorized ) XXXX XXXXXXXX XXXX XXXXXXXX ( Paid/Closed but derogatory ) XXXX XXXXXXXX XXXX XXXX ( Disputed ) XXXX XXXXXXXX XXXX XXXX ( Disputed ) XXXX XXXX XXXX ( Deferred + disputed ) I have exhausted all options through direct disputes. The bureaus continue to violate FCRA 1681i, 1681e ( b ), and 1681c, as well as unauthorized reporting under 604.

I request CFPB take immediate regulatory action and require these agencies to delete all unverifiable accounts immediately.

This is a formal notice of all credit reporting agencies and the data furnishers ' failure to comply with Metro 2 reporting standards, FCRA 1681e ( b ), and your duty to maintain accurate, complete, and verifiable consumer records. 

You continue to report derogatory data for the following : XXXX XXXX XXXX ( Charge Off ) XXXXXXXX XXXX XXXX XXXXXXXX ( Paid/Closed but derogatory ) XXXX XXXX ( Disputed / Closed ) XXXX XXXX XXXX XXXX  ( Disputed ) XXXX XXXX XXXX XXXX Disputed/Deferred ) Your reporting violates Metro 2 standards regarding : Status codes Removal of unverifiable information Proper coding for disputed and settled accounts Additionally, no permissible purpose or consumer consent exists for continued reporting of this information ( FCRA 604 ).

DEMAND FOR DELETION You are directed to delete these items immediately to comply with Metro 2 standards and federal law. Failure to comply will result in : Formal complaints to CFPB, FTC, State Attorney General Civil action for violations of FCRA 1681n and 1681o Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX I received a collection notice for {$680.00} from Ideal Collection Services for charges assessed by XXXX, XXXX, XXXX, XXXX. 

Underlying dispute : From XXXX the unit suffered repeated plumbing backups, waterheater leaks, AC failures, and blackmold growth that violated Florida Stat.83.51 and county housing code. I vacated XXXX  after management failed to remedy the conditions. 

County case : Pinellas County Code Enforcement opened XXXX XXXX for the same habitability violations ( receipt attached ). 

Debtvalidation request : I sent Ideal a written dispute/validation request XXXX ( certifiedmail receipt attached ). They have not produced an itemized statement or documentation showing I owe the balance. 

Credit impact : I am concerned the account may be or has been reported to the credit bureaus despite the unresolved habitability dispute. 

Because the alleged charges stem from uninhabitable conditions and no documentation has been provided, I do not believe I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Dept. of Education/Aidvantage along with XXXX, XXXX  and XXXX  are reporting inaccurately as I do not have ownership of this account was taken without consent by Aidvantage on I believe XX/XX/year>. This account is involved in a data breach and violates my rights under FERPA ( Family Educational Rights Privacy Act ) FCRA 1681S-2 and 605-B also FDCPA 1692-G. I am requesting immediate discharge/deletion from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: VA

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Experian regarding four accounts I believed to be inaccurately reported. I included identification and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ), specifically asking for documentation proving ownership, balance accuracy, and verification of the information from original sources. 

The accounts disputed were : A XXXX XXXX XXXX account showing joint liability and negative status An XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting an inaccurate balance A XXXX XXXX XXXX account XXXX disputed for ownership and payment accuracy A XXXX XXXX XXXX XXXX account with a balance above the credit limit, charge-off status, and nine months of negative payment history On XX/XX/year>, Experian responded by marking the accounts as either verified or updated. However, no documentation was provided to support the accuracy of any of these accounts. Experian also did not explain how the accounts were verified or what sources were used, despite my written request. 

This response fails to meet the requirements of FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation, and 611 ( a ) ( 7 ), which requires the company to describe the procedure used to verify disputed information. I am requesting that the CFPB require Experian to either provide full verification documentation or remove the disputed items from my credit report in accordance with FCRA 611 ( a ) ( 5 ).

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting a formal complaint and dispute regarding a charged-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , referenced above by its partial account number XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting that this account be removed from my credit report due to the following reasons : I believe it may be inaccurate or unverifiable, or Its reporting is outdated and no longer reflects my current creditworthiness, or The creditor has not provided sufficient documentation to validate the debt when previously requested. 

This charge-off continues to negatively affect my credit profile, and despite efforts to resolve the matter directly, I have received no satisfactory response or verification from the creditor or the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be fully investigated and, if not properly validated, removed from my credit report. I respectfully ask that this issue be resolved within 30 days, as required under the FCRA, and that I be provided with written confirmation of the outcome. 

Thank you for your attention and timely handling of this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I have found and have disputed serious discrepancies on my consumer report that in accordance to Congress, violates section 15 US Code 1681e(b) - Compliance procedures and FCRA (Fair Credit Reporting Act) 15 USC 1681-1681x and 15 USC 1681 a(2)(i) Definition; rules of construction ; I have not provided my written consent to any credit agency, business, bureau or person to use my consumer report for sharing, to sale or to gain profit with any third party is described bt the TSR (Telemarketing Service Rule) along with TCPA (Telecommunication Protection Act) , the Department of Justice under CRM 1500-1999 1513 Prohibited Act - 18 USC 1028 described as a violation of Code 1028A - Aggravated identity theft and is also declared an act of fraud by US Code 2023 title 18 part-chap 47 - sec1028A and violation of these enactments constitutes 15 US Code  1681n  Civil liability for willful noncompliance. Delete the following tradelines listed on my Consumer Report:\n\nUSBK 7 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

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 2025-05-04 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted all three major credit reporting agenciesEquifax, Experian, and TransUnionregarding inaccurate and outdated information on my credit report. Despite submitting disputes and providing documentation, these agencies have failed to update or remove the false data. Instead, they continue to report incorrect information that negatively affects my credit standing. Additionally, I find it unacceptable that I am required to pay to view my credit score from one of these agencies, even while they allow harmful inaccuracies to remain uncorrected. This ongoing negligence has caused unnecessary financial stress and hardship.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted all three major credit reporting agenciesEquifax, Experian, and TransUnionregarding inaccurate and outdated information on my credit report. Despite submitting disputes and providing documentation, these agencies have failed to update or remove the false data. Instead, they continue to report incorrect information that negatively affects my credit standing. Additionally, I find it unacceptable that I am required to pay to view my credit score from one of these agencies, even while they allow harmful inaccuracies to remain uncorrected. This ongoing negligence has caused unnecessary financial stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
Following the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a valid photo ID, a billing statement, and a letter from an advocacy organization that is assisting me as a victim of XXXX XXXX  through debt bondage. This qualifies as XXXX  under the XXXX XXXX XXXX, specifically sections 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 
I am formally requesting that you block this information from my credit report within four business days, in compliance with section 605C of the Fair Credit Reporting Act. I have provided all required documentation, including my identification and the items listed as acceptable proof under the lawonly two of which are legally necessary. I have also included a victim determination letter under section 1022.142 ( b ) ( 6 ).

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