vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
I have accounts with multiple banks. I'm used to having funds being unavailable after a check is deposited. I understand it can take a day or more to clear the other bank and be considered 'good '. Some check are certainly more risky than others. Some banks make some of the funds available immediately up to some limit. My experience with Bank of America has shown me the worst of all scenarios. 

I deposited a check from the U.S. Treasury, arguably the most dependable creditor on the planet. Since it's a federal government check and only involves one retail bank ( BofA ), it should clear faster than checks written against funds in other retail banks. I'm fairly certain BofA had the funds the next day. I'm willing to give 2 days to be generous. But BofA places a hold on the funds for 5 days. And it is for 100 % of the amount. That is completely unacceptable. They most certainly received the funds within a day or two and then earned interest off of my money while waiting to make the funds available to me. 

The U.S. banking system should make all funds available as soon as they clear the other bank. Arbitrary holds for days longer than it takes to actually receive the funds are simply a way to take advantage of other people 's money. 

XX/XX/XXXX Deposited U.S. Treasury check for {$250000.00} BofA hold says funds will be available XX/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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Every since the data breach of Transunion I have been getting hard inquiries on my report that I am not doing. Also, getting information that my info is on the darkweb. Had a scam call pretending to be my actual bank and the scammer knew the last four of my card and the expiration date. I contacted each credit bureau and ask them to remove the inquiries immediately because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Every since the data breach of Transunion I have been getting hard inquiries on my report that I am not doing. Also, getting information that my info is on the darkweb. Had a scam call pretending to be my actual bank and the scammer knew the last four of my card and the expiration date. I contacted each credit bureau and ask them to remove the inquiries immediately because they do not belong to 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 2025-11-20 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: PA

Complaint narrative:
I am submitting this complaint because the three major credit bureaus Experian, Equifax, and TransUnion are reporting information about me that is inaccurate, incomplete, outdated, and in several cases unverifiable, creating a false and damaging representation of my credit history. Experian is listing charge-offs from XXXX ( XXXX * * * * * * * *, Balance {$11000.00} ) * * and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * with dates and details that conflict with the true Date of First Delinquency, and it is also reporting collections from XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, Balance {$4500.00} ) * * and XXXX XXXX XXXX for XXXX XXXX both of which were never properly validated and contain discrepancies suggesting violations of their obligations under the FCRA and FDCPA. Equifax is displaying inaccurate or obsolete charge-off information for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, Balance {$9900.00} ) * * and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$11000.00} ), again with inconsistent DOFD reporting that affects whether these accounts should be appearing at all. TransUnion is reporting a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * and a XXXX  XXXX bankruptcy dismissal dated XX/XX/year>, yet the data appears outdated, incomplete, or mismatched with the proper reporting period required under the FCRA. Across all three bureaus, these issues collectively involve inaccurate DOFD reporting, obsolete information, lack of proper debt validation, and failure to maintain reasonable procedures to ensure maximum possible accuracy, all of which are harming me financially and misrepresenting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because the three major credit bureaus Experian, Equifax, and TransUnion are reporting information about me that is inaccurate, incomplete, outdated, and in several cases unverifiable, creating a false and damaging representation of my credit history. Experian is listing charge-offs from XXXX ( XXXX * * * * * * * *, Balance {$11000.00} ) * * and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * with dates and details that conflict with the true Date of First Delinquency, and it is also reporting collections from XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, Balance {$4500.00} ) * * and XXXX XXXX XXXX for XXXX XXXX both of which were never properly validated and contain discrepancies suggesting violations of their obligations under the FCRA and FDCPA. Equifax is displaying inaccurate or obsolete charge-off information for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, Balance {$9900.00} ) * * and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$11000.00} ), again with inconsistent DOFD reporting that affects whether these accounts should be appearing at all. TransUnion is reporting a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * and a XXXX  XXXX bankruptcy dismissal dated XX/XX/year>, yet the data appears outdated, incomplete, or mismatched with the proper reporting period required under the FCRA. Across all three bureaus, these issues collectively involve inaccurate DOFD reporting, obsolete information, lack of proper debt validation, and failure to maintain reasonable procedures to ensure maximum possible accuracy, all of which are harming me financially and misrepresenting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Against : Equifax XXXX XXXX XXXX ( Reporting XXXX XXXX XXXX ) This is now my fourth dispute of this same collection account with Equifax. The account continues to be reported inaccurately, and both Equifax and the furnisher have failed to correct or remove the erroneous data as required by the FCRA. 
Details of the Violations : 1. The account does not contain a Date of First Delinquency ( DFOD ), which is required under FCRA 623 ( a ) ( 5 ).

Without a DFOD, Equifax can not legally determine the 7-year reporting period or verify the age of the debt.

2. The Date of Last Payment is missing, which violates Metro-2 reporting standards.

If no payment was ever made, the furnisher must report N/A leaving it blank results in an incomplete and inaccurate tradeline.

3. The Date Reported, Status Date, and Balance Date all show the exact same date ( XX/XX/year> ), even though there was no actual new activity on the account. 
This indicates batch updating and not a reflection of real account information, violating FCRA 607 ( b ) ( Maximum Possible Accuracy ).

4. Equifax has verified this account multiple times without correcting any of these factual errors, which is a direct violation of FCRA 611 ( a ).

A reinvestigation requires more than an automated e-OSCAR response repeating the same inaccurate data.

5. The furnisher is reporting incomplete and inaccurate information for the fourth time, which violates FCRA 623 ( a ) ( 1 ) ( A ).

Furnishers may NOT continue reporting information they know ( or should know ) is inaccurate.

- Fix this is now as these are multiple violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Account : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$910.00} Date Opened : XX/XX/year> Issue Type : Incorrect Reporting / Incomplete Furnisher Investigation To Whom It May Concern, I am submitting this complaint regarding LVNV Funding, which is reporting an account only on XXXX as a Collection/Charge-Off with a balance of {$910.00}. This reporting appears inaccurate, incomplete, and unverifiable, violating the following : FCRA 602 & 607 ( b ) Information must be accurate and reliably verified. 

FCRA 609 ( a ) ( 1 ) I have not been provided any original documentation or validation identifying me as the responsible party. 

FCRA 611 ( a ) ( 1 ) ( A ) If a furnisher can not fully validate the account, they must correct or delete it. 

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 
XXXX. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
XXXX. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard. 
XXXX. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes. 
XXXX. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
XXXX. 
Legal Precedent In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in Cushman and constitutes a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I am a victim of identity theft and data breaches violates 605B and Section 611 and USC 1666b and 1682o and 1681o TransUnion refuse to remove fraudulent late payments after the chief lending of chair wrote statement to remove XXXX of XXXX XXXX XXXX account they dont report authorized users at all and to remove late payments from the other account. They keep reporting XXXXXXXX XXXX  which a very old account and requested to remove late payments or the delete the account

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 2025-11-20 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 am submitting this complaint regarding serious inaccuracies on my credit reports with Experian, TransUnion, and XXXX specifically concerning XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that are being reported as Late Closed with a balance of {$0.00}. These accounts have been inaccurately labeled as late despite my consistent on-time payments, which is materially misleading to any entity reviewing my creditworthiness. Both Experian and TransUnion have mirrored this erroneous reporting, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy of information. Furthermore, under FCRA 609 ( a ) 15 U.S.C. 1681g ( a ), I have the right to obtain a complete copy of my credit report and review it for errors. After exercising this right, I have identified these discrepancies. Pursuant to FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I am formally disputing the inaccurate reporting of these accounts and demand that the agencies investigate and remove these accounts from my credit reports within the statutory 30-day timeframe. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers like XXXX XXXXXXXX and XXXX to provide accurate information, and their misreporting of these accounts as late closed is a violation of this obligation. I expect their full cooperation in ensuring the complete removal of these accounts from my credit files.

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MS

Complaint narrative:
I disputed multiple times .. claiming that these accounts were opened fraudulently and mention that I wanted to proof that I actually opened the account and if can't provide that it has to be removed from my credit. 

I never received any proof. And it's not being take off my credit. And I keep receiving emails asking me to pay. And I lose the dispute. 

I disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate / Unverifiable Information Under FCRA 602A, 607 ( b ), 611 To Whom It May Concern, I am writing to dispute multiple inaccuracies and unverifiable items on my Experian credit report. These errors must be corrected or removed immediately under the Fair Credit Reporting Act ( FCRA ).

1. Personal Information Errors- Remove incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct name : XXXX XXXX - Remove incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX 2. Invalid Collection Accounts - XXXX XXXX  ( XXXX XXXX {$1000.00} ) : Unverified, incomplete data. 
- XXXX. XXXX ( XXXX {$1600.00} ) : No contract, itemization, or ownership documentation. 
REQUEST : Delete these collections unless full validation is provided. 
3. Incorrect Payment History - XXXX XXXX XXXX XXXX  : Unverified late payments. 
- XXXX XXXX ( Closed ) : Late marks after closure. 
- XXXX XXXX XXXX ( Closed ) : Missing payment verification. 
- XXXX XXXX : Incorrect late payments for XXXX & XX/XX/XXXX. 
REQUEST : Remove inaccurate late payments or delete accounts if unverifiable. 
4. XXXX Accounts Multiple Issues Several XXXX  accounts show missing data, duplicated entries, and inconsistent reporting. 
REQUEST : Remove any XXXX account lacking fully verifiable payment history. 
5. Unauthorized Hard Inquiries Remove the following inquiries I did not authorize : - XXXX XXXX XXXX  ( multiple ) - XXXX XXXX XXXX ( multiple ) - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  FCRA Rights Invoked Under FCRA 607 ( b ) and 611, Experian must correct or delete any unverifiable, incomplete, or inaccurate information within 30 days and provide a corrected report. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate / Unverifiable Information Under FCRA 602A, 607 ( b ), 611 To Whom It May Concern, I am writing to dispute multiple inaccuracies and unverifiable items on my Experian credit report. These errors must be corrected or removed immediately under the Fair Credit Reporting Act ( FCRA ).

1. Personal Information Errors- Remove incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct name : XXXX XXXX - Remove incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX 2. Invalid Collection Accounts - XXXX XXXX  ( XXXX XXXX {$1000.00} ) : Unverified, incomplete data. 
- XXXX. XXXX ( XXXX {$1600.00} ) : No contract, itemization, or ownership documentation. 
REQUEST : Delete these collections unless full validation is provided. 
3. Incorrect Payment History - XXXX XXXX XXXX XXXX  : Unverified late payments. 
- XXXX XXXX ( Closed ) : Late marks after closure. 
- XXXX XXXX XXXX ( Closed ) : Missing payment verification. 
- XXXX XXXX : Incorrect late payments for XXXX & XX/XX/XXXX. 
REQUEST : Remove inaccurate late payments or delete accounts if unverifiable. 
4. XXXX Accounts Multiple Issues Several XXXX  accounts show missing data, duplicated entries, and inconsistent reporting. 
REQUEST : Remove any XXXX account lacking fully verifiable payment history. 
5. Unauthorized Hard Inquiries Remove the following inquiries I did not authorize : - XXXX XXXX XXXX  ( multiple ) - XXXX XXXX XXXX ( multiple ) - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  FCRA Rights Invoked Under FCRA 607 ( b ) and 611, Experian must correct or delete any unverifiable, incomplete, or inaccurate information within 30 days and provide a corrected report. 
Thank you, 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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