vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report ( XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) Bk of America XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and assistance.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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ID XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , ID XXXX 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 2025-03-05 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history. 

Account Number Reporting : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
I purchased a prepaid gift card and later found {$480.00} in unauthorized transactions. These included charges from XXXX, XXXX, XXXX, XXXX, and other merchants that I did not authorize. I immediately contacted the card issuer and filed a dispute on XX/XX/XXXX. 

I provided all required details, including transaction dates, amounts, and my reason for disputing the charges. Despite this, the company took nearly three months to complete its investigation, only to deny my claim on XX/XX/XXXX, without returning any of my money. 

The company referenced the cardholder agreement but did not explain why they refused my claim. They did not provide any evidence that I made these purchases, nor did they ask me for additional documentation before closing my case. 

I relied on this card for purchases, and losing {$480.00} to unauthorized charges has caused me financial hardship. The companys dispute process was slow and unhelpful, leaving me without my funds and with no valid explanation. 

I want the CFPB to publish this description so that other consumers are aware of the difficulties in disputing fraudulent charges with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
PORTFOLIO RECOVERY ASSOC XXXX reporting a past due amount of {$590.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts.

I request that the CFPB take action to ensure PORTFOLIO RECOVERY ASSOC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Also to include The statute of limitations for debt collection is covered in Maryland Code, Courts and Judicial Proceedings 5-101.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: MS

Complaint narrative:
AS OF XX/XX/year> XXXX IS CONTINUOUSLY REMOVING AND ADDING BACK POINTS FROM MY CREDIT SCORE WITH CARMAX AUTO FIN. 

THIS ACCOUNT IS 8 YRS OLD AND NEEDS TO BE REMOVED... 

MY CREDIT SCORE IS SHOWING DIFFERENT ON XXXX XXXX AND WHEN I LOG INTO MY XXXX CREDIT ACCOUNT ONLINE XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
I have reviewed my credit report and found some errors that must be corrected. In accordance with the Internal Revenue Manual, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charged off accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX have provided documentation to confirm that each of these accounts have been sold to different entities for collection. XXXX has sold to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sold to XXXX XXXX XXXX, and XXXX XXXX has sold to XXXXXXXX XXXX. With these accounts being sold to 3rd parties, they can not be reported as chargeoffs on my credit report. Please send the requested 1099-C form.

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 2025-03-05 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: VA

Complaint narrative:
The credit reporting bureaus have a bankruptcy item in my report declared by the US bankruptcy courts. The US bankruptcy courts do not report this information to credit bureaus, deeming it false and that they received this info from an unverified third party source. They are also reporting on accounts that are no longer receiving payments and are closed with the same bankruptcy message. This has not been verified by the credit bureau, its from a third party service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
The credit reporting bureaus have a bankruptcy item in my report declared by the US bankruptcy courts. The US bankruptcy courts do not report this information to credit bureaus, deeming it false and that they received this info from an unverified third party source. They are also reporting on accounts that are no longer receiving payments and are closed with the same bankruptcy message. This has not been verified by the credit bureau, its from a third party service

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 2025-03-05 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 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: VA

Complaint narrative:
I paid the full amount of {$190.00} to XXXX XXXX and the account is closed. They still managed to report my account as delinquent to Experian, Equifax, XXXX and XXXX XXXX. As a result my credit scores dropped by XXXX points. XXXX XXXX used a company called XXXX XXXX XXXX to file a false report to the credit bureaus. Also, Experian still has my score at XXXX even though I have paid off all my debts. Equifax, XXXX and even XXXX XXXX gave me a very good score for paying my debt. But not Experian. I do not have any confidence anymore in their credit reporting dduties. They also have the wrong information on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 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: FL

Complaint narrative:
According to the ( FCRA ) 15 USC Code 1681 all accounts on a consumer report must be accurate with all XXXX Credit Bureaus. TransUnion, XXXX, and XXXX. The following accounts have been deemed invalid on either XXXX, or XXXX or both. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF LAST ACTIVITY TRANS XX/XX/XXXX XXXX XX/XX/XXXX. CLOSED DATE XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX DATE OF LAST ACTIVITY TRANS XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING 3X ON CONSUMER REPORT ALL UNDER DIFFERENT DATES XXXX  # NO ACCOUNT NUMBER XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 2025-03-05 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-03-05 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
PORTFOLIO RECOVERY XXXX XXXX reporting a past due amount of {$590.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts. 

I request that the CFPB take action to ensure PORTFOLIO RECOVERY ASSOC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not availab
le, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

Also to include The statute of limitations for debt collection is covered in XXXX  Code, Courts and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation