vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: IL

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment notations on my accounts represent a violation of 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This scam has caused me a lot of suffering. I was threatened by the scammer for over XXXX months, which has caused serious damage to me. Now, not only am I affected, but also my family. My XXXX  urgently needs dental treatment and her health is declining, yet these funds were never recovered. I also need to see a doctor regarding potential XXXX XXXX, and I can not afford to keep waiting without resolution. In addition, I have just graduated from college and am still in the process of seeking employment, which makes this financial harm even more devastating. 

This is my third complaint regarding the mishandling of my fraud claim with Bank of America ( approx. {$130000.00} ) I originally submitted the first case under CFPB ID XXXX ( submitted XX/XX/year> ) after Bank of America told me my case would be followed up within XXXX  days and processed within XXXX  days. However, by XX/XX/XXXX, there was no official response. When I called, I was told only that the funds could not be recovered due to insufficient balance in the recipients account and let me wait up to XXXX  days. 

Even one account used to defraud me ( approx. {$50000.00} ) remained active and accessible for at least XXXX days after I filed police reports with both XXXX and XXXX XXXX Police. 

Later, Bank of America sent me an email assigning a contact person and phone number for updates. I called on XX/XX/XXXX and XX/XX/XXXX ( XXXX days apart ). Both times, my calls went straight to voicemail. I left messages requesting progress updates and offering more information if needed. They promised to respond within XXXX hours, but I never received a call or email. Not once did they proactively inform me of the progress. 

I then filed a second CFPB case ( XXXX ) on XX/XX/XXXX. Now, after exactly 90 days from the opening date, Bank of America has closed the claim without providing any documented investigation or explanation, only a denial letter notifying me that the case was closed. 

This shows a systemic failure : no transparency, no accountability, and no meaningful effort despite the significant financial harm. Because of Bank of Americas lack of transparency and negligence in handling my fraud claim, I request that they provide at least partial financial compensation for the damages I suffered.

Require Bank of America to : 1. Provide full documentation of their XXXX investigation, including actions taken and contacts made.

2. Reopen and re-examine this case 3. Accept accountability for their failure to communicate and for leaving fraudulent accounts active.

4. Offer partial financial restitution as compensation for the losses I suffered due to their lack of transparency and negligence.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX  AND PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX  AND PORTFOLIO RCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
Based on the XX/XX/XXXX file you provided, I note no active collections or derogatory trade lines reported by Experian. Nevertheless, under FCRA 1681e ( b ) & 1681i, I demand you : XXXX. Confirm the accuracy and completeness of all open accounts ( e.g., XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Any inconsistent balances/terms/remarks among bureaus must be corrected or the item removed. 
XXXX. Ensure that my identifying information ( legal name XXXX XXXX XXXX, current address XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ) is accurate and that no obsolete/erroneous former names or addresses are suppressing scorecards. 
3. Provide the Method of Verification you use to synchronize high-balance/limit fields and dispute resolved remarks on revolving lines ( e.g., XXXX XXXX opened XX/XX/XXXX with Account previously in disputenow resolved ) to ensure they are not misleading under 1681e ( b ). 
Inquiries : Your file shows no Experian hard inquiries in the past two years ; no inquiry disputes are asserted at this 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the late payment currently listed on my credit report. This entry is inaccurate, as my documented payment history shows that all payments were made timely. The continued presence of this error misrepresents my financial behavior and harms 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 2025-09-05 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: 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been fraudulently linked to my identity without my knowledge or consent, as I never provided written authorization or a wet signature for their inclusion. I recently contacted your organization regarding this serious matter and am formally requesting the immediate blocking and removal of these unauthorized accounts from my credit report. The presence of these fraudulent accounts has caused substantial emotional and financial distress by creating an inaccurate representation of my credit history and falsely attributing financial responsibilities that are not mine. These identity theft-related items have significantly impacted my ability to secure financing for essential needs, including purchasing a home and providing for my family, forcing me to consider legal remedies if this matter remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
b'The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.XXXX 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I discovered an unauthorized credit inquiry on my credit report that I did not initiate or consent to. 

Here is the inquiry I want to remove : XXXXXXXX XXXX XXXX XXXXXXXX ) - XX/XX/2025 I have also filed a report with the FTC

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 2025-09-05 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: 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 XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am writing to formally address the XXXX  impact that the equifax data breach has had on my life specifically concerning the false information and accounts associated with my credit profile Please check the information concerning the equifax data breech below in attachments. Which have led to me being a victim of identity theft my information has been exposed, without my content. Under the fair credit reporting act i am entitled to disute these matters. I trust that my request will be handed with the umost urgency and care to ensure that my credit proflie accurately reflects my true financial history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
b'ALLY FINANCIAL \nDue Date - XXXX  of each monthXXXX XXXX XXXXConfirmation Number - XXXX(TOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFORE)\n\nAlly XXXX XXXX XXXXConfirm XXXXTOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFOREXXXX XXXX XXXXWont post until XXXX. Paid on XXXX  per payment line recording.\nConf. XXXX XXXX payment on XXXX XXXX XXXX XXXXTOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFORE XXXX XXXX XXXXConfirmation Number - XXXXTOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFOREXXXX XXXX XXXX XXXX XXXX XXXXConfirmation Number - XXXXXXXX(TOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFORE XXXX XXXX XXXX XXXXXXXXConfirmation Number - XXXXXXXX(TOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFORE XXXX XXXX XXXX XXXX XXXX XXXXConfirmation XXXX XXXX XXXX XXXXAccount XXXX XXXXAccount XXXX XXXX XXXX XXXXXXXX XXXX XXXXConfirmation Number - XXXX XXXX XXXX XXXXConfirm - XXXXallyfinancial/#/receipts\n\nConfirmation Number - XXXX XXXX XXXX(TOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFOREXXXX XXXX XXXXConfirmation Number - XXXXTOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFOREXXXX XXXX XXXX XXXX XXXXConfirmation Number - XXXX XXXX XXXX(TOOK SEVERAL DAYS TO POST AND ALLY SAID I WAS 30 DAYS LATE EVEN THOUGH IT WAS PAID ON DAY XXXX  OR BEFORE)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer. 
Account : 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 2025-09-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

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 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