vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: CO

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-02 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: CO

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Bank of AmericaXXXX XXXX XXXX I am writing to formally complain about the recent outage affecting Bank of America 's scheduled payment and transfer system. This disruption has negatively impacted my ability to pay my bills on time. 
Details of the Issue : On or around XX/XX/year>, Bank of America experienced a system-wide failure that prevented scheduled payments from being processed. I understand this was due to a vendor issue on Bank of America 's end. As a result, the following payment ( XXXX ) were delayed : Transfer of funds from XXXX to Bank of America to avoid Non-Sufficient Funds Payment of Mortgage from Bank of America to XXXX XXXX  This inability to make timely payments was a direct consequence of Bank of America 's system malfunction and not due to any lack of funds or action on my part. 
Impact : This situation has caused me significant concern regarding potential late payment fees and negative impacts on my credit score. I have always managed my finances responsibly, and this issue is entirely outside of my control. 

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 monetary relief
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-02 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXXXXXX XXXXEmployer - XXXX-Employer - XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

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 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 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-05-02 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: AZ

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail.

This notice is also sent to inform you that I dispute the above balance and full validation is requested which is my right under 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act and 1006.34 ( C ) of The Code of Federal Regulations. As a co-signer, I never received any correspondence concerning the balance or status of the Vehicle. Please forward me the following documents for my review.

1. Installment contract 2. Auction Statement 3. Right to Redemption Notice 4. All correspondences such as late notices, disputes and notice of repossession 5. Deficiency Balance Statement 6. Complete payment history Failure to comply will result in me filing a complaint with The Office of The Attorney General in addition to taking legal action against Chrysler Capital for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code. Please remove this account immediately from all credit reporting agencies if the above request can not be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
I looked at my credit report and seen an affirm there. I have never purchased from affirm or purhcased anything. None of the account information mactches my true information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a documented victim of identity theft. Experian previously blocked a fraudulent tradeline from XXXX XXXX XXXX after receiving my ID theft affidavit, police report, and FTC identity theft report. 

Despite this, Experian reinserted the same blocked account ( XXXX XXXX XXXX XXXX XXXXXXXX ending in XXXX ) into my credit file in violation of the FCRA. Specifically : Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), a consumer reporting agency must block identity theft-related items when provided with required documentation which I submitted in full. 
Under 15 U.S.C. 1681c-2 ( c ), a blocked item may not be reinserted unless Experian certifies the accuracy of the data and notifies me in writing which they did not do. 

I have sent multiple written disputes and identity theft documentation via XXXX Certified Mail with return receipt, which was delivered and signed for. I am attaching copies of those letters, tracking confirmations, and previous dispute references. I have also previously filed complaints with the CFPB, to which Experian responded by simply stating there may be potential fraud without resolving the matter or complying with FCRA procedures.

I am requesting the CFPB enforce a permanent deletion of the reinserted tradeline and open a formal investigation into Experians continued failure to comply with federal law. I am also seeking damages under 15 U.S.C. 1681n and 1681o, as XXXX reinsertion has caused me a XXXX drop in my credit score and potential denial of housing and credit opportunities.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OZK
State: AL

Complaint narrative:
I opened account in XXXX with XXXX XXXX  account was sold to Bank of Ozark, my car note was {$550.00} a month which was paid up until XX/XX/XXXX after covid hit the account was in Bankruptcy due to illness I wasn't able to afford the payments. Bankruptcy paid half every two weeks. This account is XXXX years old the company added interest to the loan and also, they have been running my credit each year putting hard pulls on my credit and reporting false information to the credit bureau which has impacted my credit utilization. I have disputed this account numerous times my original balance {$34000.00} so, if I paid for four years then I have overpaid on this account. The car was wrecked totaled out the company is aware I notified them. They continue to add interest and refused to take it off my credit. I am sure that it is illegal to keep running my credit, adding interest and having the balance the same as the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> National Credit Systems , Inc . 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Settlement Offer for Account To Whom It May Concern : I am writing to address a collection account allegedly placed with your agency in the amount of {$1300.00}. I dispute the validity and accuracy of this balance, as I believe it to be falsified or incorrectly reported. Nevertheless, in the interest of resolving this matter and moving forward, I am willing to settle the account under the following terms : XXXX. I will make bi-weekly payments of {$200.00}, beginning XX/XX/year>, until the full balance of {$1000.00} is paid in full. 
XXXX. Upon receipt of the final payment, I respectfully request that National Credit Systems : Consider the account settled in full, Delete the account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ), and any secondary bureaus Provide written confirmation of this agreement and account deletion once completed. 

This offer is made in good faith and should not be interpreted as an acknowledgment of the debts accuracy or legal enforceability. Please confirm acceptance of this offer in writing, including the agreed-upon payment plan and terms for credit reporting deletion, before XXXX remit the first payment. 

I am requesting that all further communication be made in writing to the address listed above. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
I reviewed my credit report and found two hard inquiries from First Tech Federal Credit Union 's dated XX/XX/XXXX and XX/XX/XXXX. While it is possible that I may have applied for a product or service, I do not recall explicitly authorizing a hard credit inquiry on either occasion. 

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require clear and explicit consumer consent. I contacted First Tech Federal Credit Union 's and requested proof of my authorizationsuch as a signed application or digital confirmation. The bank responded by stating that I had digitally signed a consent form, but they refused to provide a copy of the document or any evidence confirming that I knowingly authorized a hard inquiry. 

I want to emphasize that the authorization must clearly state that it is for a hard inquirynot a general credit report check or account review. Without documentation showing that I gave informed consent specifically for a hard inquiry, I am concerned these may have been conducted without proper authorization. These inquiries have negatively impacted my credit score and financial planning.

I have made multiple attempts to resolve the issue directly with the bank, but I have not received the necessary proof or cooperation. Therefore, I am filing this complaint to request a formal investigation and

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 2025-05-02 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: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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