vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is an extension to my previous complaint against BOA last week since I got an extremely misleading response from BOA customer care and the rep was extremely rude. 
I am writing to express my concern and disappointment regarding the misleading nature of recent Bank of America credit card promotions I continue to receive as per the attached doc. Despite being a long-time Bank of America XXXX for over 30 years and a XXXX XXXX client, I was recently denied a credit card application last month. The reason provided was related to a soft pull associated with my previous credit line increase request on an existing account with a {$300.00} limit. 

When I called to clarify this decision, your customer care representative ( on XX/XX/year> ) informed me that although the inquiry was a soft pull and should have no credit impact, Bank of America still internally keeps track of such activity for future credit decisions. This practice is not disclosed to customers and creates confusion and distrust. 

If Bank of America uses internal records of soft pull inquiries to influence credit decisions, it is misleading to continue sending pre-qualified or pre-approved promotional offers to customers. These offers imply that customers meet approval criteria when, in fact, they are being denied based on undisclosed internal data. This practice could mislead customers into submitting applications that have potential credit implications, especially when a soft pull is presented as risk-free. 

I would like Bank of America to : Provide a clear explanation of how internal soft pull data is used in credit decisions. 

Clarify why I continue to receive pre-qualification offers if my recent soft pull activity affects my eligibility. 

Review the ethical implications of these marketing practices and ensure greater transparency for long-time customers that has been with BOA with 30 years I would appreciate a written response explaining Bank of XXXX policy on this matter and what steps will be taken to prevent such misleading practices in the future.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
b'I\'ve been victim of repeated identity theft since XXXX  when XXXX XXXX XXXX robbed my home and staged the XXXX  of my children. There\'s a police report to this that was mailed to all 3 credit bureaus-Experian, Transunion, Equifax. I had each of these bureaus put protective measures in place to keep from using my identity but there are phones, loans, and even a XXXX XXXX in my name unbeknownst to me because these 3 bureaus keep removing my identity theft protective measures and keep putting fraudulent collections on my reports that don\'t belong to me. There are also long-standing accounts that have been removed without my consent from my credit reports making it seem as if my longest account relationship is only XXXX XXXX  years, when my actual oldest account is over XXXX XXXXears old and counting! Experian is the main one that keeps putting fraudlent collection accounts on my report and refusing to remove them!\nI demanding all of my reports corrected immediately and permanently! \nThese 3 bureaus failed to contact ME before approving credit in my name and keep removing the notice on my reports that say that I\'ve been victim of identity theft and to contact me before approving anything in my name. \nI have no accounts in collections.\nI have emails addressed to XXXX XXXX XXXX, whom I have no contact with!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
b'I\'ve been victim of repeated identity theft since XXXX  when XXXX XXXX XXXX robbed my home and staged the XXXX  of my children. There\'s a police report to this that was mailed to all 3 credit bureaus-Experian, Transunion, Equifax. I had each of these bureaus put protective measures in place to keep from using my identity but there are phones, loans, and even a XXXX XXXX in my name unbeknownst to me because these 3 bureaus keep removing my identity theft protective measures and keep putting fraudulent collections on my reports that don\'t belong to me. There are also long-standing accounts that have been removed without my consent from my credit reports making it seem as if my longest account relationship is only XXXX XXXX  years, when my actual oldest account is over XXXX XXXXears old and counting! Experian is the main one that keeps putting fraudlent collection accounts on my report and refusing to remove them!\nI demanding all of my reports corrected immediately and permanently! \nThese 3 bureaus failed to contact ME before approving credit in my name and keep removing the notice on my reports that say that I\'ve been victim of identity theft and to contact me before approving anything in my name. \nI have no accounts in collections.\nI have emails addressed to XXXX XXXX XXXX, whom I have no contact with!'

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 2025-10-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: FL

Complaint narrative:
Hi I worked with XXXX XXXX to fix my credit multiple times and not once did they fix it and I got charged unnecessary fees and got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal request to have this erroneous account deleted from my credit report, as I never authorized its establishment or usage. Attached are the supporting documents for your review.

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 2025-10-22 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: NY

Complaint narrative:
The inquiries on my credit report were not initiated by me. I am a victim of Identity Theft and request their removal.This is an unauthorized inquiry I did not initiate this inquiry therefore its illegal to report in accurate information on my credit report Im requesting removal of this inquiry immediately XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Payment History Under the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Balance : {$770.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of the payment history being reported on my Navy Federal Credit Union account referenced above. According to my credit report, this account reflects a XXXX late payment in XX/XX/XXXX, which I assert is inaccurate. This incorrect notation negatively impacts my credit standing and must be corrected. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), furnishers and consumer reporting agencies are required to maintain and report information with maximum possible accuracy. Therefore, I am requesting a formal reinvestigation and verification of the reported late payment.

In addition, per XXXX XXXX XXXXompliance Guidelines, the Payment History field must be based solely on verified records from the original creditor. If the alleged delinquency can not be confirm
ed with supporting documentation from Navy Federals internal records, it must be removed from all credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
I am submitting this complaints as a formal written dispute regarding an account currently being reported on my credit report. This entry may contain inaccuracies, include unverified or outdated information, and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a complete reinvestigation and correction or deletion of the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-10-22 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: NJ

Complaint narrative:
I am submitting this complaints as a formal written dispute regarding an account currently being reported on my credit report. This entry may contain inaccuracies, include unverified or outdated information, and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a complete reinvestigation and correction or deletion of the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-10-22 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies on my credit report, including inaccurate addresses, charge-offs, collections, and inquiries, which are negatively affecting my creditworthiness. 
XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX * XXXX Balance : {$3500.00} XXXX  XXXX XXXX * * * * Balance : {$0.00} AXCSSFN/CNGO XXXX * * * * Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX  NA XXXX * * Balance : {$43000.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$9000.00} XXXX XXXXXXXX * * * * Balance : {$1300.00} XXXX XXXX * * * * Balance : {$3700.00} XXXX & XXXX XXXX ( Original Creditor : MONEY KEY ) XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX, XXXX PLUS XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( dates ranging from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX review, these XXXX XXXX not accurately reflect my financial history. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX ( b ), XXXX XXXX. XXXX ( b ), which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy, and XXXX XXXX ( a ), XXXX XXXX. XXXX ( a ), which gives consumers the right to dispute inaccurate information and have it reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies on my credit report, including inaccurate addresses, charge-offs, collections, and inquiries, which are negatively affecting my creditworthiness. 
XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX * XXXX Balance : {$3500.00} XXXX  XXXX XXXX * * * * Balance : {$0.00} AXCSSFN/CNGO XXXX * * * * Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX  NA XXXX * * Balance : {$43000.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$9000.00} XXXX XXXXXXXX * * * * Balance : {$1300.00} XXXX XXXX * * * * Balance : {$3700.00} XXXX & XXXX XXXX ( Original Creditor : MONEY KEY ) XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX, XXXX PLUS XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( dates ranging from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX review, these XXXX XXXX not accurately reflect my financial history. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX ( b ), XXXX XXXX. XXXX ( b ), which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy, and XXXX XXXX ( a ), XXXX XXXX. XXXX ( a ), which gives consumers the right to dispute inaccurate information and have it reinvestigated.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-22 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: GA

Complaint narrative:
Subject : FINAL NOTICE DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS To Whom It May Concern, This letter serves as my final attempt to resolve the matter regarding the inaccurate late payment ( XXXX ) reported on my credit file for the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously disputed these errors under XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ) and expected compliance with federal law. However, I have yet to receive sufficient proof verifying the accuracy of this information. The burden of proof is on XXXX to substantiate the legitimacy of this reporting, yet you have failed to provide adequate documentation. 
LEGAL WARNING : FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If this information can not be verified, you are legally required to delete it immediately from my credit file under the FCRA. 
I am fully prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office should you continue to violate my rights.

If necessary, I will seek legal action against your company for willful noncompliance under 15 U.S.C. 1681n, which allows me to sue for damages, court costs, and attorney fees.

This is your final opportunity to correct these inaccuracies before I escalate this matter. If I do not receive written confirmation of deletion within 15 days, I will proceed with formal complaints and legal action against your organization.

Next Steps Required : Immediately delete the inaccurate late payment ( s ) from my credit report Send me an updated copy of my credit report reflecting these corrections Provide a written statement confirming the removal You may respond to this letter by mail or email, but failure to act will force me to take further action. I expect your response no later than [ Date + 15 Days ]. 
This is a legally binding request. Take action immediately. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX of XXXX Copy of my previous dispute letter Copy of my credit report highlighting disputed items Copy of my ID and proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experians reinvestigation of my dispute related to a XXXX  XXXX XXXX account ( secured card ending in XXXX ). 

I submitted a dispute through Experians online portal on XX/XX/year>, requesting validation and a proper reinvestigation of a charge-off account that XXXX XXXX  XXXX XXXX XXXX report inaccurately. 

Experian closed the dispute the same day with the result Verified and Updated. The balance and reporting date were updated to XX/XX/year>, but no documentation from XXXX  XXXX XXXX was provided to validate the debt. 

This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Experian did not conduct a reasonable reinvestigation and did not delete unverifiable information. Simply updating the date and balance does not constitute proper verification. 

Furthermore, XXXX  XXXX XXXX violated FCRA XXXX ( a ) ( XXXX ) ( A ) by verifying information without providing any substantiation. 

I am requesting that the CFPB require both Experian and XXXX XXXX XXXX to produce all documents used for verification or delete the account entirely if they can not validate it. 

Attached are screenshots showing the Experian dispute result ( Verified and Updated on XX/XX/year> ), the XXXX XXXX XXXX account with Balance updated XX/XX/year>, and the charge-off details without validation.

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 2025-10-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN EXPRESS NATIONAL BANKs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN EXPRESS NATIONAL BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation