vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint regarding an account reported by Bank of America to XXXX which contains an inaccurate Date of First Delinquency ( DOFD ). XXXX currently reports the DOFD as XX/XX/year>, which I know to be incorrect based on my payment history. 

I previously disputed this information with XXXX, and they failed to correct or provide documentation supporting the reported date. I also contacted Bank of America directly, but the issue remains unresolved. A XXXX representative then advised me to escalate the matter by filing a formal complaint through the Consumer Financial Protection Bureau. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are required to report the accurate DOFD for derogatory accounts. If they can not verify the correct date, the account must be removed.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX- {$640.00} someone opened and account in XX/XX/year> and i keep disputing it and it keeps coming back varied..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-07-19 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: PA

Complaint narrative:
A fair resolution to this issue would be : Immediately and permanently delete the following fraudulent accounts and inquiries from my credit file : XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Block all identity theft-related data under 15 U.S.C. 1681c2 within 4 business days, as required by law. 

Cease all further reporting or reinsertion of these fraudulent entries without valid documentation and proper notice, as per FCRA guidelines. 

Send me written confirmation that these accounts and inquiries have been removed, blocked, or deleted from my credit report. 

Provide a free updated and corrected copy of my credit report reflecting these changes. 

This resolution is in accordance with federal identity theft protections under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act. All supporting documents have already been provided, including government-issued ID, Social Security card, proof of address, and an official FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
This morning I discovered unauthorized inquiries on my credit report, and it completely caught me off guard. I always monitor my report regularly, and this time something just wasnt right. I even refreshed my browser thinking it was a glitch, but the inquiry stayed. Im honestly very frustrated and I want this looked into right awayplease review the documents Ive already sent so I dont have to keep dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
So basically, I used to Best Buy credit card that I got to purchase these XXXX XXXX XXXX but they never showed up to my house so I ended up telling Best Buy that I didn't want it no more so they did a full refund but not all the way fully they missed the XXXX XXXX monthly charge but when I disputed it, they never disputed the XXXX XXXX monthly charge too because I never received the item from the start so when I woke up this morning, my credit score went from the XXXX to XXXX. So I need this fixed 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 monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I have a personal loan through sofi. Loan terms say I can make prepayment in any amounts. Sofi web site does not honor that part of the terms. I have tried to work with Sofi but they use the front line work force to restrict anyone from working with them. They continue to say I'm referring to payoffs and that the less than {$5.00} payment amount is a system limitation.

None of that is noted in the terms. Sofi should Have to honor less than {$5.00} online payments since they put it in the terms they wrote. They specifically chose the word " ALL. '' Sofi seems to be struggling in the personal loan realm and may need assistance moving forward as a company. Please ensure Sofi works with me to remove this personal loan due to dishonoring the loan terms and putting up roadblocks to resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particula

rly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my
ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-19 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-07-18 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: TX

Complaint narrative:
I recently discovered an account reported under my credit profile that I did not open or authorize. I have never had any involvement with this account, and its presence is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

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 2025-07-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has been inaccurately reported on my credit file. Based on my personal records, there has been no instance of delinquency for the period in question.

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 2025-07-18 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: TN

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 2025-07-19 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: FL

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : XXXX. Inadequate investigations that fail to address consumer disputes adequately XXXX. Reinsertion of previously disputed and inaccurate information without sufficient explanation XXXX. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : XXXX. Inadequate investigations that fail to address consumer disputes adequately XXXX. Reinsertion of previously disputed and inaccurate information without sufficient explanation XXXX. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year>, a XXXX XXXX at my residence located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, rendering the XXXX XXXX. Due to the extent of the damage, my family and I were unable to remain in the unit. While the management office assessed the situation, it took approximately a month for a restoration company to begin partial repairs. During this delay, XXXX XXXX and spread throughout the XXXX 

I promptly notified the management office about the presence of XXXX ; however, no action was taken to address or remediate the issue. As a result, my family and I were forced to relocate and temporarily reside with my sister in her XXXX XXXX. 

By XX/XX/year>, no repairs had been completed, and the XXXX remained unlivable. Consequently, I made the decision to permanently move my family out of the unit. Throughout this period, I remained in communication with the management office and informed them of our relocation. 

XXXX was paid through XX/XX/year>. Despite being aware that we no longer resided at the property, the management office proceeded with eviction actions and sent the notice to an incorrect address. I was never notified of the eviction proceedings or any scheduled court date.

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 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL. XXXX XXXX XX/XX/2025 Subject : Dispute of Inaccurate Reporting Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax Dispute Department , I am writing to formally dispute the accuracy of the information reported on my credit file regarding the account listed as : * Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : XXXX XXXX  \ {$21000.00} ( Past Due ) XXXX Date Reported : XXXX XXXX XX/XX/2025 XXXX Status : XXXX XXXX  Past Due, Closed I respectfully request that this account be investigated and either corrected or deleted from my credit file as it is inaccurately reported. 

Currently, I am making on-time payments to this account as part of an active payment plan. Despite these payments being made consistently and in good faith, your records still reflect this account as fully past due and closed, which does not accurately represent the current status of my arrangement with the XXXX XXXX XXXX. This misreporting is unfairly harming my credit profile and does not reflect my current payment behavior or standing with the creditor. 

I kindly ask that you contact the creditor directly to verify the updated status of this account. I am confident that you will find that I am meeting my obligations as agreed and that the account should not be reflected as fully past due. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Please conduct a prompt and thorough investigation into this matter and update my credit report accordingly. 

If additional documentation is needed from me to assist in your investigation, please let me know, and I will gladly provide it. 

Thank you for your prompt attention to this dispute. I look forward to your response confirming the results of your investigation within the timeframe allowed under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I NOTICED INACCURATE ACCOUNTS ON MY CREDIT PROFILE

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 2025-07-19 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: IL

Complaint narrative:
I NOTICED INACCURATE ACCOUNTS ON MY CREDIT PROFILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NV

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

Company response to consumer: Closed with non-monetary relief