vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off my XXXX  card that I had from Bank of America they sent it to collections called XXXX XXXX XXXX and then when I paid it off, they just marked it as a XXXX XXXX and still kept it on my XXXX XXXX so it is still negatively affecting my credit

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally lodging this complaint against EXPERIAN for its persistent failure to maintain the accuracy, completeness, and integrity of the information it reportsan egregious and ongoing violation of the Fair Credit Reporting Act ( FCRA ) and XXXX federal consumer protection laws. 

Specifically, multiple accounts on my credit file are being reported inaccurately and without proper verification, in direct violation of FCRA XXXX and XXXX ( b ). These entries are erroneous, unsubstantiated, and causing material harm to my creditworthiness. Unless EXPERIAN can produce clear, documented, and legally admissible evidence confirming the accuracy and lawful basis of these accounts, they must be deleted immediately. The burden of proof lies with EXPERIAN, not the consumer. 

Furthermore, my credit report includes a series of unauthorized XXXX  inquiries, which I neither consented to in writing nor triggered through any credit application. These inquiries constitute a direct breach of FCRA XXXX ( c ), which strictly prohibits accessing a consumer 's credit file without a permissible purpose. EXPERIAN is legally obligated to verify the legitimacy of every inquiry it allows to be listed and must remove all inquiries that fail to meet that standard. 

Should EXPERIAN continue to neglect its statutory duties and refuse to take swift corrective action, I will have no choice but to escalate this matter by seeking legal remedy. I fully intend to pursue damages for willful or negligent noncompliance under FCRA XXXX and XXXX. EXPERIAN 's continued inaction will be documented as part of a broader pattern of consumer rights violations 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 2025-07-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX, Equifax Information Services LLC has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ) by illegally suppressing my consumer file and failing to correct a known internal error regarding my Social Security Number ( SSN ). 

Despite repeated attempts to correct this issue including over XXXX disputes, direct contact with Tier XXXX representatives, and submission of all necessary documentation from the Social Security XXXX ( XXXX ) Equifax has failed to : Verify my valid, legally issued XXXX ending in XXXX Release or reinstate my credit profile Provide any lawful explanation or reinvestigation, as mandated under XXXX U.S.C. XXXX Comply with reasonable procedures to ensure accurate reporting under XXXX ( b ) Equifax has engaged in a pattern of systemic misconduct, refusing to acknowledge or correct this error for over XXXX years. They have suppressed my credit file based on a false assumption that my SSN is retired, despite irrefutable SSA-issued documentation proving the number is valid and active. 

This deliberate suppression has caused devastating consequences, including : Denial of credit across all sectors Loss of banking privileges Inability to access housing, employment, and basic financial services Destruction of business potential tied to over XXXX registered corporations I own across Georgia and Montana XXXX in lost revenue and opportunities Ongoing XXXX XXXX XXXX XXXX  and reputational damage Equifaxs refusal to take corrective action despite years of formal notices and XXXX verification constitutes willful noncompliance with the FCRA. The burden of compliance lies with Equifax not the consumer and yet they have made no attempt to follow the law or conduct a proper reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccuracy currently being reported on my credit report regarding an account with XXXX XXXX XXXX. I have disputed this inaccuracy on this account twice before and still no change. 
And Now, Upon reviewing my credit reports across the three bureaus, I have noticed that I still have a discrepancy in the way this account is being reported : Experian and TransUnion report the account as being paid off and closed in XX/XX/XXXX in good standing. 
Equifax is reporting it as 30 days past due in XXXX of XXXX. 

This inconsistency is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that all consumer information be reported accurately and consistently across all credit bureaus. 

This vehicle was traded in at a dealership in XXXX, and the account was effectively satisfied at that time. Therefore, it is not possible for this account to have been late in XXXX, as I was no longer in possession of the vehicle or financially responsible for the loan. 

According to the Fair Credit Reporting Act ( FCRA ), under Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Equifax has failed to meet this obligation by inaccurately marking the account as delinquent when it was not.

Additionally, under FCRA Section 611, I am exercising my right to dispute this inaccurate information. I request that Equifax immediately correct the status of this account to accurately reflect that it was closed and paid as agreed, or remove the late notation entirely, as it is inaccurate and misleading.

Applicable Laws Violated : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must provide data that is accurate and complete.

FCRA 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Once a consumer initiates a dispute, the credit bureau has a duty to investigate and remove or correct any data found to be inaccurate or unverifiable.

Please provide a written confirmation of your reinvestigation and the results. I am requesting this matter be resolved within the 30-day period as outlined by the FCRA.

If not corrected within the timeframe allotted by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for willful violation of my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/XXXX [ Last 4 of SSN : XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: TX

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 XXXX 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 explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to XXXX XXXX code XXXX ( XXXX ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX XXXX XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
This lender is reporting an account that was paid in full by GAP insurance as a charge-off. They are also reporting a second auto loan I never opened. I hired an attorney to dispute this, but the errors persist. Please investigate. 
XXXX XXXX XXXX, I - Closed XXXX XXXX XXXX XXXX XXXX, PA XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Debt Buyer Account | Status : Date Reported : XX/XX/XXXX | Balance : {$890.00} Credit Limit : | High Credit : {$890.00} Date Opened : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Unknown, XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$0.00} Credit Limit : {$0.00} XXXX High Credit : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This lender is reporting an account that was paid in full by GAP insurance as a charge-off. They are also reporting a second auto loan I never opened. I hired an attorney to dispute this, but the errors persist. Please investigate. 
XXXX XXXX XXXX, I - Closed XXXX XXXX XXXX XXXX XXXX, PA XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Debt Buyer Account | Status : Date Reported : XX/XX/XXXX | Balance : {$890.00} Credit Limit : | High Credit : {$890.00} Date Opened : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Unknown, XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$0.00} Credit Limit : {$0.00} XXXX High Credit : {$21000.00}

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