vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America has continued to report derogatory account information on my credit report related to an account that was charged off. Despite the charge-off, they have continued to update the status of this account in a way that negatively impacts my credit score - this includes new activity and balance updates long after the account was closed and charged off.

Furthermore, Bank of America is reporting that I owe {$2600.00} on a credit card that had a maximum limit of {$2500.00}. This suggests that either predatory overcharging, illegal fees, or outright inaccurate reporting. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy.

What Bank of America is doing may be illegal due to the following reasons : 1. Re-aging or updating a charged-off account to make it appear active, which can unfairly extend the statute of limitations and the reporting period.

2. Reporting a balance that exceeds the account 's credit limit, which is not only inaccurate but suggests deceptive practices.

3. Continuing to furnish disputed information to the credit bureaus without resolving the dispute or verifying the data, which violates FCRA Section 623. 

Images attached are screen shots from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I was a victim of identity theft, and Ive had problems with accounts popping up on my credit report that dont belong to me or that I dont open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I was a victim of identity theft, and Ive had problems with accounts popping up on my credit report that dont belong to me or that I dont open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AL

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 damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships 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 may 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 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 2025-05-27 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: MN

Complaint narrative:
Complaint Topic : Equifax continues to report unverifiable information despite open CFPB investigations Details : I submitted disputes to Equifax about an account reported by XXXXXXXX XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. Equifax responded by marking the account as verified. However, two CFPB complaints remain open : XXXX ( against XXXX XXXX XXXX XXXX XXXX XXXX ( againsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  have failed to provide proper validation. XXXX XXXX XXXX XXXX did not respond to the CFPB at all. Equifaxs actions directly contradict the Fair Credit Reporting Act ( FCRA ), which requires a reasonable and documented investigation. I request the CFPB hold Equifax accountable for : Reporting unverifiable and inaccurate information; Failing to follow proper reinvestigation procedures; Refusing to remove the account even though neither party has substantiated the debt.

I ask that this account be removed immediately and that Equifax be required to comply with all federal investigation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting a dismissed Bankruptcy Reference Number : XXXX that was never discharged or adjudicated. The public record data is sourced through XXXX and not verified with the bankruptcy court. 
This violates FCRA 607 ( b ) and presents misleading, legally inaccurate information to creditors. 
I submitted documentation and was denied resolution. I request deletion of this item and written confirmation of compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I am filing this complaint regarding a tradeline reported by XXXX XXXX XXXX XXXX XXXX related to a lease break with XXXX XXXX  which is owned and operated by XXXX XXXX. This is a rental contract dispute, not a standard consumer debt. Despite that, XXXX XXXX XXXX has reported it as an unpaid collection account in the amount of {$1700.00}. 

Key details : Date of First Delinquency : XX/XX/XXXX Reported Balance : {$1700.00} Status Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Type : Rental or Leasing I vacated the unit prior to the end of the lease term, but the apartment was re-rented and occupied by a new tenant before the month was over. XXXXXXXX XXXX  suffered no vacancy loss and collected full rent from the new tenant without any interruption in income. 

Despite this, XXXX XXXX charged me a reletting fee, which I am actively disputing as unreasonable and unjustified. Reletting fees are meant to cover marketing or vacancy costs. In this case, there was no vacancy, and therefore no actual financial damage. Charging this fee appears punitive rather than compensatory. 

XXXX XXXX XXXX is now reporting this disputed charge as a delinquent collection account, misrepresenting the nature of the alleged debt. I have not received : A copy of my original lease agreement An itemized breakdown of the {$1700.00} Documentation proving the fee is contractually enforceable Proof that XXXX is authorized to collect on behalf of XXXX XXXX Additionally, the accounts status date was updated to XX/XX/XXXX, even though there was no payment or activity from me. This may constitute illegal re-aging under FCRA 605 ( c ). 

Both XXXX XXXX XXXX and XXXX XXXX are responsible for the inaccurate reporting and unsupported charges being used to damage 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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: AK

Complaint narrative:
Cash App loan. Borrowed {$300.00} on XXXX XXXX, XXXX. 
Went to repay the loan early, app gives an error. Tried this multiple times, app continues to give an error. There was already and automatic payment scheduled, so I waited. The payment did not process, cash app did not notify me of any issues with payment, except a notice in the app that my loan is now late. 

I contacted chat support in the app and explained the issue with the app giving an error when I go to make a payment. Chat support could not resolve the issue, and referred to an external lending team. 

Lending team reached out, it did not inquire about any issues, it assumed there was an issue with my bank. I replied that I have already verified there was no issue by adding {$1.00} to my account using the debit card that was on file. Many different people from the lending team contacted me, none bothered to check my file for the history of this issue, as they each asserted different things or repeated issues that I have already addrressed. I kept explaining that the issue is with their app, that I have tried to repay the loan many times but the app continues to give an error. 

Cash app adds a {$5.00} fee for late payment, and interest to my balance. I informed them that this was not right. The loan payment is late not because of me, but because I have tried to pay but their system gives an error. The loan payment is late because there is an issue with their app/system. I have provided screenshots of this error. I raised this error the first time I contacted them, before the loan payment was late. 

Cash app refuses to remove this fee and interest, and customer support is hideously disjointed. No one person is assigned to a case. Multiple people who don't bother to check the case history make their own assertions. Cash app is very hard to reach, and their support team seem incapable of resolving anything beyond surface level issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AK

Complaint narrative:
I am the victim of identity theft. 

I submitted a dispute under FCRA 605B to [ XXXXEquifax ] through their online portal. I uploaded a full package including : FTC Identity Theft Report Government-issued ID Proof of address A detailed 605B dispute letter identifying all fraudulent accounts The credit bureau is legally required to delete or block these accounts within four ( 4 ) business days per FCRA 605B. I request CFPB oversight to ensure compliance, as these fraudulent accounts are causing significant financial harm.

I have attached my dispute letter and FTC Identity Theft Report to this complaint for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credt health

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 2025-05-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-27 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
Legal Liability and Damages for Non-Compliance If this incomplete and inaccurate information is not removed or corrected as per FCRA requirements, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Pursue legal action against the furnisher and credit reporting agencies under : 15 U.S.C. 1681n Willful noncompliance ( Statutory damages up to {$1000.00} per violation, plus punitive damages ). 
15 U.S.C. 1692k FDCPA violations ( Actual damages, statutory damages up to {$1000.00}, plus attorney fees ). 
Additionally, I am sending this letter via certified mail to protect my rights and document your response. 
Final Demand I expect written confirmation within 30 days verifying that these accounts have been permanently deleted from my credit file. Additionally, I demand an updated copy of my credit report reflecting this removal, and that you send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Furthermore, I am keeping a careful record of your actions, including your Method of Verification ( MOV ). I do not consent to XXXX or any means of automated verification. 
Failure to comply will result in immediate escalation, including legal and regulatory action. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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