vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am filing a formal complaint due to the presence of false personal identifiers, inaccurate late payments, and unverified charge-off data reported by multiple creditors on my credit report. The data being reported includes : Incorrect names such as " XXXX XXXX '' and " XXXXXXXX XXXX XXXX, '' when I have only used the legal name XXXX XXXX XXXX Addresses I have never lived at, including in XXXX, CA, and XXXX, CA Accounts showing late payments ( XXXX, XXXX, XXXX, XXXX  days ) where no proper notice was provided, violating 15 USC 1666b and 1637 ( b ) ( 12 ) Charge-off balances that still show a past due amount, violating IRS charge-off guidance and Metro 2 coding standards I have disputed these items through the credit bureaus, yet they have returned the items as " verified '' without documentation or proof. This is a direct violation of : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to verify or delete within 30 days FCRA 604 ( a ) ( 2 ) False reporting of personal data with no permissible purpose The accounts in question include : XXXX Account reported as charged off with XXXX lates, but the creditor has not shown statement or grace period compliance per 15 USC 1666b NAVY FEDERAL Reported a charge-off, but still lists a past due balance and lates with an unverifiable history NET CREDIT Account shows lates and collections, but was sold ; no updated ownership info or accurate balance is being reported SANTANDER Long history of negative reporting with inconsistent balance data

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 2025-09-09 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: KS

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For about a decade I have had a Bank of America XXXX XXXX rewards credit card and have earned a number of rewards, but I've never tried to redeem any until last month. When I tried, they said miles were being subtracted for expirations and account credits which I can understood. But when they started telling me that they were taking away more rewards than what were actually in my account I knew something must not be correct. I have spoken with 3 different associates at Bank of America XXXX XXXX, XXXX, and one other ) who have told me some crazy things like when I had over a XXXX point negative rewards balance about a year ago. They tell me they can not send me any documentation of the reward account activity for some reason. I said if neither the credit card statements or website will show me this ridiculous activity, they should send me a printout so I can see it and try to understand what is happening with my balance. If I have never redeemed any points in the history of my rewards account, how can my balance ever go negative. They talked about points expiring, which I understand but how can more points expire than what are actually in the rewards balance? They talked about points being taken out for purchases credited back to the card, but how can they remove more points than what were given in the first place? I currently have XXXX points after they recently took over XXXX away, and now they tell me over XXXX will be removed in XXXX. How can they take away more than the current balance when I have never used any rewards? I am requesting the CFPB look into my account activity and the BOA XXXX XXXX reward program overall to see how they can make reward accounts go negative when no rewards have ever been redeemed. Thank you very much!

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute the fraudulent accounts that have appeared on my credit report. These accounts are not mine, were never authorized, and have been wrongfully attributed to me. Their inclusion represents a serious breach of the accuracy standards required in credit reporting and has inflicted unnecessary harm on my financial reputation. The false reporting of accounts I did not create has subjected me to unjust consequences, including negative impacts on my creditworthiness and the possibility of being denied fair access to financial opportunities. This is not only harmful but wholly unjustified.

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 2025-09-09 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 disputing the reporting of accounts appearing under my name without my authorization or awareness. I have never opened, authorized, or managed these accounts. Their presence is inaccurate, misleading, and damaging to my credit profile. 

I require immediate clarification regarding why these accounts are being reported and who is responsible for furnishing this information. Furthermore,

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 2025-09-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 30 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have been unable to access my Federal Student Aid ( studentaid.gov ) account for over two months. Despite following all Help Desk instructions, creating multiple email addresses as directed, making repeated phone calls, and submitting written inquiries, the issue remains unresolved. On several occasions, I was also disconnected during calls, leaving the matter unresolved.

I was informed that the issue may be related to an incorrect date of birth or duplicate FSA IDs linked to my Social Security Number and phone number. I have case numbers XXXX, XXXX, XXXX, and XXXX documenting my repeated attempts. 

Because I can not access my account, I am unable to manage my federal student aid records. I am requesting immediate escalation and resolution, including identity verification or manual account correction if necessary.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
the loan with Select Portfolie Servicing began XX/XX/year>. the payment was billed as {$1800.00}. I paid this amount in full and on time every month. After 12 months they report an escrow shortage and demand an additional {$1100.00} immediately and every month going forward Thats is more than I have. The taxes and insurance did not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 following up on my dispute regarding collection account XXXX XXXX XXXX ( XXXX ). As noted in my prior correspondence, this account does not belong to me. 
I'm requesting debt validation requesting : 1. demand to see verifiable proof, in the form of an original consumer contract bearing my signature.

2. Provide documentation showing the procedures you used to verify this debt.

If they can not validate, this account must be permanently deleted from my credit file.

3. Suspend or delete the reporting of this account while validation is pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I am disputing inaccurate and unfair reporting of a paid account. The account is being reported as a paid charge-off with derogatory marks even after full payment. I previously disputed multiple times with the credit bureaus, and the furnisher responded with no changes, only adding a remark of Consumer disputes after resolution. 

I am requesting that the furnisher provide proper documentation proving the accuracy of this information or remove the derogatory marks from my credit file. Please investigate and ensure compliance with the Fair Credit Reporting Act ( FCRA ) Section 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing fraudulent accounts that appear on my credit report. These accounts were not created, authorized, or used by me, and they have been wrongfully attributed to my name. Their inclusion represents false and harmful information that is damaging to both my financial stability and personal credibility. The existence of these accounts on my file is misleading, unjustified, and must be corrected at once.

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 2025-09-09 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: NC

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
What Happened I have been a customer of Bank of America for over 20 years, and I am filing this complaint due to what I believe is an unreasonable and punitive check hold in violation of federal law. 

I deposited a {$5000.00} check on XX/XX/year>. Since that time, I have been given four different availability dates by Bank of America representatives : XX/XX/XXXX ( initially stated ) XX/XX/XXXX ( by the local branch manager ) XX/XX/XXXX ( by phone support ) XX/XX/XXXX ( via written notice ) The check was drawn on XXXX XXXX, and I personally confirmed that the funds were valid and available, so there is no legitimate risk of return. Nevertheless, Bank of America has continued to withhold my funds, citing potential return as the reason. 

This constant shifting of dates and reasons has left me without access to my own money, despite being a loyal customer in good standing for more than 20 years.

Relevant Law ( Regulation CC ) Under Regulation CC ( 12 CFR Part 229.13 ), exception holds on deposits are limited to no more than 7 business days for established accounts. Bank of America has extended this hold beyond that timeframe while providing contradictory information and inconsistent explanations. This demonstrates a lack of transparency and, in my view, an abuse of federal exceptions intended only for legitimate risk management.

Whos Involved Bank of America ( holding bank ) Branch manager of my local Bank of America branch ( stated funds would be available on XX/XX/XXXX ) Bank of America phone support representative ( stated funds would be available on 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 2025-09-09 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: TX

Complaint narrative:
Experian you denied my fraud report so I filed with your own Legal service which responded possible fraud under section 611FCRAit is illegal to report anything on my consumer report without my permission, 15 USC1692 { E } { 8 } unverified report is considered false information you Experian stated you contacted the furnishes to verify the account i request15 USC1681i { a } { 6 } { B } { iii } method of verification, description of procedure all documents you got during your investigation that proves that the alleged negative items are reporting accurately if they can not they have to be removed under section 609 get documents, section 611 challenge verification and demand deletion Experian you have to provide original documents under section609 respond through the CFPB

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 2025-09-09 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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