vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America on XX/XX/year> about a charge that was on my credit card that I did not make. It was a {$200.00} charge for groupon. Bank of America denied my fraud dispute on XX/XX/year> for that charge, indicating that I used the services that were bought during that transaction. I had no access to the groupons that were purchased and I also have proof that I was sleeping when the transactions were made based on my sleep devices. I contacted groupon before I made the fraud dispute and they told me to contact Bank of America to get my charges reversed and they removed my credit card info and reset my password, acknowledging that the purchases were not made by me.

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 2025-06-17 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and reporting of this collection account listed by [ Debt Collector Name if available ] on behalf of a landlord or rental agency.

This account is reporting as a standard collection acco
unt, but it is in relation to an alleged eviction, which is not properly identified. The account opened in XX/XX/XXXX which is factually incorrect and makes the reporting timeline suspicious. Additionally, the amount listed ( {$15000.00} ) is unusually high, and no documentation has been provided to support this amount or validate the debt. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account has been frozen zince XXXX. I deposited a 3rd party check. That was over 5 years ago. The person no longer lives here in the United States. I would like to have the funds sent to me. 

Two years ago, in XXXX, I was told that Cap One had decided to end the banking relationship, but they have yet to issue funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC.
State: DE

Complaint narrative:
Subject : Request for Investigation Potential ILSA Violation by NVR , Inc. ( XXXX XXXX XXXX XXXX XXXX Dear CFPB Enforcement Division, I respectfully request that the Consumer Financial Protection Bureau investigate NVR , Inc. for potential violations of the Interstate Land Sales Full Disclosure Act ( ILSA ) in connection with its marketing and sale of homes in a large-scale waterfront community known as XXXX XXXX in Rehoboth Beach , Delaware. 

Allegation Summary NVR , Inc. is building a 217-lot residential community at XXXX XXXX XXXX To date, it has sold over 140 homes. As part of its sales effort, NVR heavily marketed amenities including a bay beach, marina, kayak launch, and kayak storage shelter. 

However : These amenities were not approved by the appropriate authorities ( e.g., XXXX XXXX, XXXX ) at the time of marketing and sale ; In some cases, such as the " bay beach, '' the features were legally or physically impossible to build due to zoning, environmental restrictions, or regulatory barriers ; NVR failed to disclose the uncertain or speculative status of these amenities during the sales and closing process ; And many homeowners purchased based on renderings and representations that created the impression of guaranteed, imminent delivery. 

This is a textbook case of deceptive inducement under ILSA, where unapproved amenities in a multi-lot development were used to influence buyers without legally required disclosures. NVR has since filed a lawsuit against the developer, admitting that these amenities remain unbuilt and acknowledging the growing frustration of residents. Nevertheless, NVR continued selling homes at premium prices based on these amenity promises.

Request I urge the CFPB to open an investigation into NVRs compliance with ILSA and real estate disclosure obligations, specifically : Whether NVR filed a proper Property Report under ILSA, Whether it disclosed the true regulatory status of the amenities at the time of sale, And whether its conduct constitutes material misrepresentation or fraudulent inducement in violation of federal law.

I am willing to provide marketing materials, legal filings, and supporting testimony from affected homeowners. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX p.s. ExposingNVHomes.com has much background.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

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 XXXX 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-06-17 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im contacting you because I found wrong and inaccurate information listed on my credit report that needs to be addressed immediately. After reviewing my report thoroughly, I noticed an item that is flat-out incorrect and does not meet the legal standards set forth by the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all information reported be verified, complete, and 100 % accurate. 

Let me be crystal clear : this item does not belong on my report in its current state. Whether it's outdated, incomplete, mixed with someone else 's data, or just plain wrong, it's your legal responsibility to ensure that nothing inaccurate or unverifiable remains on my file. Reporting wrong information isnt just frustrating its a direct violation of federal law, and it has real consequences for consumers like me.

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 2025-06-17 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 2025-06-17 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 recently reviewed my credit report and noticed that an account was not reporting accurately. All the credit reporting agencies must report all information with complete accuracy. This account has not been late and was paid on time, as Experian and Transunion reporting agencies is reporting inaccurately for the account on XX/XX/year>. With XXXX  the other credit agency reporting accurately, I am requesting an investigate in this matter and that all verifiable information and report be provided showing that this account was late. If the information can not be provided, I am requesting that the account with Experian and Transunion be updated to paid on time never late, immediately. Thank you for your time and prompt attention to 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Every day since XX/XX/XXXX, these XXXX XXXX have been calling me asking for EXTRA money more than my car note. I paid the excise tax now nobody told me I had to pay property tax. They should pay it as it is a lease and not my property. I told one Rep that I would pay {$100.00} a month extra on my car note. They just keep calling me at work daily. Monday through Friday. Today this man got blocked because they are rude. They will not allow me to speak with a Manager. They can put this {$370.00} on the back end and please stop calling me at work. It is illegal to contact me for a month every day.

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 2025-06-17 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: MD

Complaint narrative:
Formally request the issuance of IRS Form 1099-C for the above-referenced account, which has been charged off according to your credit reporting. Under 26 U.S. Code 6050P, any financial institution that discharges indebtedness of {$600.00} or more must file an IRS Form 1099-C and furnish a copy to the debtor by XX/XX/XXXX of the year following the discharge. Failure to do so is a direct violation of this statute.

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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX, my niece listed me as a guarantor on her lease while attending college in XXXX, XXXX. At the time I was residing in XXXX, XXXX. I called the leasing office to confirm that this was not credit related. I did not give access to my social security # nor authorized any credit pull. Fast forward to XX/XX/XXXX, a week before my mortgage license application was due. I received an alert of a major derogatory item on my credit for {$10000.00}. I can't even begin to describe the level of damage this has caused me for a debt I was not even aware of when I have been intentional, dedicated and financially responsible with my credit choices despite years of medical issues. I made attempts after attempts to contact the company. They refuse to speak to me, so I mailed them certified letters, no response. I initiated a dispute with XXXX  online and mail letters to all the credit bureau with overwhelming evidences showing no ties to me and the debt. Experience just keep updating their system saying the debt is valid with no explanation, automatically siding with the National Credit Systems. I am attaching below everything that transpired from XXXX up until the moment in XXXX that I was just made aware of an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

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 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
In XXXX of XXXX  I had some dental work. I ask how much the dental prodecure cost before I agreed to the work. I asked to pay for the entire procedure before the work was preformed. Plus my insurance picked up a bill they were sent that they should not have paid. I paid them in full for the procedure first. Then I get a bill for dental a dental procedure that was not performed. I also did not consent to any dental work other than what I agreed to. This company has been harnessing me to pay money that I do not owe. It has been a complete medical scam. This company is trying to triple dip. I paid upfront the full amount so I would not get any type of bill. Then the company sent my Insurance company the exact bill I paid and my insurance company paid it also. Now theyre trying to collect for work I did not consent to. It is a complete shake down attempt by a company that scams people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

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 XXXX XXXX XXXX XXXX. 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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-17 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely XXXX  my credit file and hindering my ability to live a normal life. The XXXX  effects of these inaccuracies have caused immense XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation