vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am following up on my prior dispute regarding inaccurate and unverifiable items reported on my credit report. Despite my initial request, these entries remain on my credit file, continuing to misrepresent my financial history and negatively impact my creditworthiness. I am writing to formally demand the permanent removal of these items, as they can not be verified and are reported in violation of federal law. 
The account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX is listed as charged off, yet no valid XXXX or other supporting documentation has been provided to confirm the debt. Reporting an unverified debt of this magnitude constitutes a direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates that all consumer information reported to credit bureaus must be accurate, complete, and verifiable. Because no verifiable proof of this debt exists, it should never have been reported on my credit report. Its continued presence is misleading, damaging my reputation, and creating a false narrative regarding my financial responsibility. 
Additionally, my credit report contains multiple unauthorized inquiries, including : 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 XX/XX/XXXX These inquiries were conducted without my knowledge or consent and therefore violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence on my credit report constitutes an unlawful invasion of my privacy and an inaccurate representation of my credit activity. They must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 am following up on my prior dispute regarding inaccurate and unverifiable items reported on my credit report. Despite my initial request, these entries remain on my credit file, continuing to misrepresent my financial history and negatively impact my creditworthiness. I am writing to formally demand the permanent removal of these items, as they can not be verified and are reported in violation of federal law. 
The account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX is listed as charged off, yet no valid XXXX or other supporting documentation has been provided to confirm the debt. Reporting an unverified debt of this magnitude constitutes a direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates that all consumer information reported to credit bureaus must be accurate, complete, and verifiable. Because no verifiable proof of this debt exists, it should never have been reported on my credit report. Its continued presence is misleading, damaging my reputation, and creating a false narrative regarding my financial responsibility. 
Additionally, my credit report contains multiple unauthorized inquiries, including : 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 XX/XX/XXXX These inquiries were conducted without my knowledge or consent and therefore violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence on my credit report constitutes an unlawful invasion of my privacy and an inaccurate representation of my credit activity. They must be permanently 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank has refused to type in my correct mailing address. I work on a cruise ship so my mailing address is very specific and perhaps longer than normal. However I have received all of my mail with this address from major companies including XXXX. Because of this I have not received my debit card and have not had access to my account since XXXX the XXXX. When they did mail my card they mailed the first XXXX to the wrong address because they did not include the proper information that I gave them. I can only receive mail on Monday which is Saturday and if it is not received by Thursday have to wait another week. They did not put a rush on my second card after their mistake and mailed it with a XXXX to XXXX business day delivery. Therefore I have to wait another week for my car and I'm still not positive that they put in the correct address. This is is what has to be included with my mail anytime or I will never receive the mail. And I stated earlier to them I work on a cruise ship and my mail goes to a warehouse where they have to sort through thousands of mail and packages for transportation workers. This is what my mailing address should look like. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States Restaurant should be included with my name on the mail XXXX XXXXRestaurant I can not deal with Bank of America 's unethical ways anymore or they're unprofessional agents on the phone who don't seem to know what they're doing. I've already received so much misinformation and outright lies from people on the phone and I have not heard from anyone other than a message from the resolution specialist and I have not heard from her since.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Prior to going to court, I had an agreement with Portfolio Recovery. The original amount to be paid was {XXXX}. and the agreed amount to be paid was {XXXX. Once I paid the agreed amount of XXXX Portfolio Recovery would delete the account from my credit reports. Portfolio did not delete the item from my credit reports. Instead of deleting the item from my credit reports, they changed the balance on the credit report to {$450.00} which is the difference between the agreed amount and the balance ; therefore, the reports still read that I am carrying a balance in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Oquirrh Mountain Law Group, P.C.
State: AR

Complaint narrative:
This is my first time submitting but I was a paying customer for years with XXXX XXXX and I just want what I'm owed thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disappointed to say that I have found errors and omissions in the reporting of my credit information, which are required to be accurate and thorough under FCRA section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance criteria. Despite this, I have not received the level of information verification, evaluation, and confirmation that I expect within a reasonable time frame. It is disheartening to find that my credit history and related information have not been validated or reported correctly. As a consumer, I have the right to request factual, truthful, verifiable, and compliant data to be placed on my credit report and for any mistakes to be permanently fixed. I also need assurance that each creditor has a legitimate basis for all queries on my credit record by investigating the origins of each account. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. 

XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collection accounts, and inquiries associated with disputed accounts. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$6700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
I am following up regarding multiple inaccurate, unverifiable, and unauthorized items that remain on my credit report despite my prior disputes. These entries are not accurate, not verifiable, and continue to misrepresent my financial history, causing harm to my creditworthiness. I am formally demanding the permanent removal of all items listed below. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * These accounts are reported as charged off without verifiable documentation or evidence of a valid debt. Reporting unverified information is a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and 605B / 15 U.S.C. 1681c-2. Because these accounts can not be verified as accurate, they are misleading, damaging, and must be permanently removed from my credit report. 
Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my consent or authorization, in direct violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Their presence is unauthorized, misleading, and damaging, and they must be permanently removed from my credit report. 
The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting unverifiable or unauthorized items is unlawful and exposes your bureau to liability under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 following up regarding multiple inaccurate, unverifiable, and unauthorized items that remain on my credit report despite my prior disputes. These entries are not accurate, not verifiable, and continue to misrepresent my financial history, causing harm to my creditworthiness. I am formally demanding the permanent removal of all items listed below. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * These accounts are reported as charged off without verifiable documentation or evidence of a valid debt. Reporting unverified information is a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and 605B / 15 U.S.C. 1681c-2. Because these accounts can not be verified as accurate, they are misleading, damaging, and must be permanently removed from my credit report. 
Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my consent or authorization, in direct violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Their presence is unauthorized, misleading, and damaging, and they must be permanently removed from my credit report. 
The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting unverifiable or unauthorized items is unlawful and exposes your bureau to liability under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2.

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 2025-10-24 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: AL

Complaint narrative:
I reviewed my credit reports and found that several accounts are being reported multiple times, which is causing my credit profile to appear inaccurate and inflated. Specifically, the following duplicate entries were found : - XXXX XXXX XXXXXXXX Account XXXX. XXXX appears XXXX XXXX XXXX XXXX Bank Inc Account XXXX. XXXX appears XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX appears XXXX times.In addition, two unauthorized hard inquiries from Ally Financial were added on XX/XX/year> one listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and the other at XXXX XXXX XXXX, XXXX, MI XXXX. I did not apply for any credit or authorize XXXX XXXX to access my credit on that date.I submitted disputes directly to the credit reporting agencies to have these duplicate and unauthorized items removed, but the information remains unchanged. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681b ), which requires credit bureaus to ensure maximum accuracy and to remove unverifiable or unauthorized information after a reasonable investigation.I am requesting that these duplicate accounts and unauthorized inquiries be fully investigated and removed from my credit file. I also ask that the companies involved confirm compliance measures to prevent these reporting errors from recurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
I reviewed my credit reports and found that several accounts are being reported multiple times, which is causing my credit profile to appear inaccurate and inflated. Specifically, the following duplicate entries were found : - XXXX XXXX XXXXXXXX Account XXXX. XXXX appears XXXX XXXX XXXX XXXX Bank Inc Account XXXX. XXXX appears XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX appears XXXX times.In addition, two unauthorized hard inquiries from Ally Financial were added on XX/XX/year> one listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and the other at XXXX XXXX XXXX, XXXX, MI XXXX. I did not apply for any credit or authorize XXXX XXXX to access my credit on that date.I submitted disputes directly to the credit reporting agencies to have these duplicate and unauthorized items removed, but the information remains unchanged. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681b ), which requires credit bureaus to ensure maximum accuracy and to remove unverifiable or unauthorized information after a reasonable investigation.I am requesting that these duplicate accounts and unauthorized inquiries be fully investigated and removed from my credit file. I also ask that the companies involved confirm compliance measures to prevent these reporting errors from recurring.

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I purchased the car and an extended warranty. After taking the car back to the dealership multiple times the car finally broke down and the warranty had expired the " day before '' I made multiple attempts with the loan company but I never received a call back .. all I received in the mail was a title release statement. I requested for the car to be repossessed many times and the loan company refused. XXXX  years late they have up and started garnishing my wages and still will not return my phone call.

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 2025-10-24 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: GA

Complaint narrative:
CFPB Complaint # XXXX Experian ( Consumer Credit Reporting ) Company : Experian Information Solutions , Inc . 
Product/Issue : Credit reporting Incorrect information on your report Problem with a credit reporting companys investigation Date problem began : XX/XX/year> Previously contacted the company? Yes dispute and Method of Verification ( MOV ) requests submitted ; inadequate response. 

What happened ( Problem narrative ) I am disputing an Experian-only tradeline reported as XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This account appears only on Experian and is absent from TransUnion and Equifax, indicating misattribution, mixed-file contamination, or an unverifiable insertion. 

Key defects Experian-only discrepancy ( FCRA 607 ( b ), 611 ) : Experian reports the account as XXXX, 30 Days Late, opened XX/XX/year>, balance {$100000.00}, term 84 months, last reported XX/XX/year>. No corresponding tradeline exists at other CRAs. Experian has not produced a signed application/contract, payment ledger, or a furnisher-certified verification. 

Late-Marker violation Metro 2 Code 162 : Experian is displaying a 30-day late without a complete month-by-month payment history or ledger support. Metro 2 requires a chronological history and documentation for late coding. Reporting late status without that support is incomplete/misleading and violates FCRA 607 ( b ) and 611 ( a ). 

Late-Marker Evidence Table ( Experian ) : Furnisher : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Month : XX/XX/year> | Experian shows : 30 Days Late | Proof : No ledger/DLP provided Code 162 defect Remedy : delete late ; if unverifiable, delete entire tradeline. 

No permissible-purpose inquiry on file ( FCRA 604 ( a ) ) : Experians disclosure shows no hard or soft inquiry from XXXX XXXX XXXX or affiliates ) around XX/XX/year>. Reporting an installment loan without a corresponding permissible-purpose inquiry and without a signed application/E-SIGN audit trail violates 604 ( a ) and 607 ( b ).

Reinsertion concern 611 ( a ) ( 5 ) ( B ) : Items previously corrected have reappeared without furnisher certification or 5-day written notice. I requested MOV ; Experian did not provide adequate documentation.

Identity-theft/mixed-file indicators 605B : Prior breach exposure and address/identifier anomalies exist. Any unverifiable identity-theft items must be blocked under 605B.

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 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I went to XXXX for gas. XXXX told me the hold is on my banks end and to contact them. Everytime i contact my bank they either hang up on me or say " oh no it is on wawas end '' so i have both sides claiming the hold is on the end of the other party. I have now been hung up on by my bank over 4 times. Left on hold to speak to nobody for over 20. Chimes support team needs to be fired or checked through and i find it ironic the issue im having they were just sued for in 2024 mishandling refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

Company response to consumer: Closed with non-monetary relief