vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am filing this complaint against Bank of America for repeated, ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to conduct a proper reinvestigation regarding two charged-off accounts reporting inaccurately and inconsistently across all three credit bureaus. 

The first account ( ending in XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and the second account ( ending in XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX both show major discrepancies between XXXX, XXXX XXXX XXXX  Each bureau reports different update dates, balance dates, account conditions, and dispute statuses, which demonstrates that Bank of America is not maintaining consistent, accurate data across repositories. 

For example, both accounts are simultaneously listed as closed, charged off, in collection, and purchased by another lender all contradictory statuses. Some bureaus reflect account not disputed, while others show consumer disputes reinvestigation in progress, even though I have been disputing these accounts since XX/XX/year>. This pattern reflects a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers to report accurate information and maintain reasonable procedures for integrity and consistency. 

Additionally, I have not received any mailed results or validation from Bank of America in response to my most recent dispute letter sent on XX/XX/year>, nor have they provided any documentation verifying the debt such as the original signed credit agreements, full payment histories, or legitimate charge-off documentation. This violates FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ), which require furnishers to conduct and respond with a reasonable reinvestigation within 30 days.

Each account also shows a suspicious pattern of re-aging or date manipulation the date of last update and date of account information are updated months apart across bureaus, despite no new payment activity. This re-aging practice falsely extends the reporting period, damages my credit standing, and violates FCRA 605 ( a ) and 607 ( b ) for failure to ensure accuracy and timeliness of data.

These errors have caused continuous score fluctuations, incorrect derogatory remarks, and an overall failure by Bank of America to meet its duties as a furnisher under federal law. Despite my good faith attempts to resolve the matter, the accounts remain misreported, unverified, and harmful.

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 2025-10-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never authorized its creation or usage. The necessary documents supporting my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Subject : Formal FCRA Dispute and Goodwill Deletion Request JPMCB Credit Card Account Dear Chase Credit Bureau Reporting Department, I am disputing and requesting a goodwill deletion for my former Chase ( JPMCB ) credit card account that is still being reported as Charge-Off / Derogatory even though the debt has been resolved. 

This account was transferred to a collection agency without my prior consent or adequate notice. During that period, I received numerous collection callsoften during my working hoursfrom multiple random and spam-like numbers, which caused severe anxiety and professional embarrassment. These repeated calls appeared to violate FDCPA 806 ( 5 ), prohibiting harassing or excessive communications.

I satisfied the balance in full settlement. Despite that, Chase continues to report the account as Collection/Charge-off with derogatory status.

This is XXXX XXXX materially inaccurate and misleading XXXX XXXX under FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information.

Given that the account is fully resolved and carries a {$0.00} balance, I respectfully request that you : 1. XXXX XXXX  Delete this tradeline XXXX XXXX  from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ) ; or 2. At minimum, update it to reflect XXXX XXXX  Paid in Full Settled XXXX XXXX with no derogatory notation ; and 3. Cease any further negative furnishing regarding this account. 

I am actively rebuilding my credit after a period of financial hardship. 
This inaccurate reporting continues to harm my creditworthiness and emotional well-being. 
Please confirm correction or deletion within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
the company XXXX  XXXX reported to my credit bureau that I owed them XXXX I've never dealt with this company before can you please remove this from my credit report its definitely hurting my score and I'm loosing sleep behind this fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-29 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.|

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the false late payment notations on my accounts breach the provisions of 15 USC 1666. My payment history has consistently been punctual, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint against Alliant Credit Union for failing to maintain accurate credit reporting and for violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

This account ( ending in XXXX XXXX XXXX XXXX XXXX  ) has been reporting inconsistently and inaccurately across all three major credit bureaus for months. XXXX XXXX XXXX XXXX all display different dates of last update, date of last payment, and even conflicting dispute statuses. Some show Account not disputed, while others show Consumer disputes reinvestigation in progress. These conflicting records clearly violate FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers to report data with maximum accuracy and maintain consistent procedures across repositories. 

Additionally, Alliant has continued to report the account as Closed / Charged-off / Derogatory, even after multiple disputes since XX/XX/year>. I sent my most recent dispute letter directly to Alliant on XX/XX/year>, yet I have not received any mailed verification, validation documents, or notice of reinvestigation results within the required XXXX timeframe. 

The account also shows evidence of re-aging and inconsistent updates the Date of Account Information and Date of Last Activity differ from bureau to bureau, despite no new payment activity. This gives the false impression of recent delinquency and violates FCRA 605 ( a ) and 607 ( b ) for failure to ensure the accuracy and timeliness of data. 

These ongoing inaccuracies have caused my credit score to fluctuate drastically and have remained unresolved despite repeated disputes and good-faith efforts to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

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

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) to report Equifaxs ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ) concerning an account that does not belong to me. On XX/XX/year>, I filed a formal dispute with Equifax regarding an inaccurate account reported under XXXX XXXX  ( Account No. XXXX ). This account is not mine and was requested to be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Despite allowing Equifax the full statutory period to complete a reinvestigation, I have not received verification documentation, a notice of reinvestigation results, or confirmation that the account was removed. This failure to act within the 30-day reinvestigation period constitutes a clear violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ), which require credit reporting
agencies to investigate disputes promptly and provide the consumer with written results of that reinvestigation.

Equifaxs continued reporting of this inaccurate and unverifiable information is damaging to my creditworthiness and reputation. It also reflects willful noncompliance with federal consumer protection law, as the bureau has maintained information it can not verify belongs to me. 

I respectfully request that the CFPB intervene and require Equifax to : Immediately delete the XXXX XXXX  XXXX account from my credit report ; Provide a full explanation of the reinvestigation process, including the name, address, and contact information of the furnisher ; and Ensure that my consumer file reflects only accurate, complete, and verifiable information moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Whom It May Concern, I am respectfully requesting the immediate reinstatement of my two sons Cash App accounts : $ XXXX $ XXXX These accounts are solely used for personal, legitimate purposes such as : Receiving birthday gifts and school support from family members Managing emergency funds and basic personal needs under my supervision Learning basic money management skills as part of their financial education These are minor accounts, and while they were created with assistance from an adult ( XXXX XXXX ) for setup purposes, they are not controlled, funded, or misused in any way. These accounts belong to my sons alone and are not managed by any third party or used for business or fraudulent activity.

Context Regarding XXXX XXXX I understand there may have been a connection to XXXX XXXX, who initially helped my children set up their profiles. However : XXXX was only involved in technical setup as an adult sponsor He does not fund, use, or control these accounts in any way My children are not responsible for any issues or violations associated with his account If XXXX  device, IP address, or card were involved during setup, I ask that you please separate those technical overlaps from the actual account holders, who are two minors using their accounts responsibly.

Important Clarification I am not requesting that XXXX XXXX account be reinstated.

In fact, due to prior issues, I respectfully request that his account remain closed.

My sole request is that my childrens accountswhich have no violationsbe reinstated immediately.

These accounts are critical for receiving personal and family support, and it is unfair for them to be penalized due to the adult who simply helped them register.

Action Requested Please : Review these accounts individually Lift any restrictions placed in error Confirm reinstatement or provide a formal explanation if denied Thank you for your prompt attention and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-10-29 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The account details are as follows : Creditor : Resurgent Receivables LLC Reported Balance : {$1000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Placed for Collection I have no knowledge, authorization, or agreement associated with this account. I did not open or benefit from any credit or service from Resurgent Receivables LLC. Despite filing a dispute with the credit bureaus, this account continues to appear on my report as an open collection.

I am requesting that the CFPB investigate this matter and assist in having this fraudulent item removed and permanently blocked under Section 605B of the Fair Credit Reporting Act ( FCRA ).

Attached is a screenshot from my XXXX XXXX report showing the fraudulent account. I can also provide identification and proof of address upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Section 612 ( f ) of the FCRA, 15 U.S.C. 1681j ( f ), directs the Bureau to increase the maximum allowable charge a consumer reporting agency may impose for making a disclosure to the consumer pursuant to section 609 of the FCRA, 15 U.S.C. 1681g, on XX/XX/XXXX of each year, based proportionally on changes in the Consumer Price Index, with fractional changes rounded to the nearest XXXX XXXX The Bureau will publish notice of the maximum allowable charge each year by amending this appendix. For calendar year XXXX, the maximum allowable charge is {$15.00}. For historical purposes : XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$11.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$11.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$11.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$12.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$13.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$13.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$14.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge was {$15.00}. 

XXXX. For calendar year XXXX, the maximum allowable disclosure charge is {$15.00}.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the false late payment entries on my accounts are in violation of 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are both unfair and unlawful.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Dear PORTFOLIO RECOVERY/ DEPARTMENT STORES XXXX XXXX : XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the false late payment notations on my accounts breach the provisions of 15 USC 1666. My payment history has consistently been punctual, and any errors in this reporting are both unfair and unlawful.

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