vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Summary It has been over XXXX years since my Bank of America account was closed ( XX/XX/XXXX ), yet Bank of America XXXX XXXX  XXXX XXXX XXXX XXXX  ), and XXXX  continue to report false and obsolete information, violating multiple sections of the Fair Credit Reporting Act ( FCRA ). My prior complaints to CFPB, XXXX, and XXXX  were ignored or closed with template responses and no investigation. 



Facts Closure : BoA secured credit card closed XX/XX/XXXX and fully paid. 
Fake Verification : On XX/XX/XXXX, I filed a dispute with XXXX  ; within XXXX hours BoA marked it as verified/updated without any actual investigation, violating 611 ( a ) ( 1 ) ( A ) and 611 ( b ). 
XXXX  Letters : XXXX letters of XX/XX/XXXX confirm BoA is the furnisher but XXXX refused to provide the Method of Verification ( ACDV/AUD logs, codes, timestamps ) and instead issued a boilerplate reply stating no new information. 
XXXX  : XXXX  claimed it could not find BoA information yet maintains a High-Risk Flag on my record, causing account denials by XXXX XXXX XXXX XXXX XXXX  . 
BoA Database : In branch visits I was told multiple times that I am not in BoAs system and no active record exists. 



FCRA Violations 607 ( b ) failure to ensure maximum accuracy ; 611 ( a ) ( 1 ) ( A ) and 611 ( b ) failure to conduct a reasonable reinvestigation ; 611 ( a ) ( 5 ) ( B ) failure to forward corrections to all recipients ; 623 ( a ) ( 2 ) furnishers failure to update or delete inaccurate data ; 605 ( a ) ( 5 ) illegal reporting of obsolete delinquencies ( over 3 years old ). 



Requested Resolution XXXX Bank of America : Provide full Method of Verification ( ACDV/AUD IDs, codes, documents ) for the XX/XX/XXXX verification and delete/suppress all BoA records from all CRAs, XXXX, and XXXX. 
XXXX XXXX XXXX XXXX : Delete all records under Case ID XXXX and BoA-related data ; provide MOV and written confirmation of correction distribution downstream. 
XXXX XXXX  : Immediately remove the High-Risk Flag and all BoA records ; provide written confirmation of deletion and notifications to recipients. 
XXXX Deadline : XXXX business days to comply ; if not resolved, request CFPB to escalate for supervisory review and refer to OCC, FDIC, FTC, and Attorney General.

Conclusion For three years these entities have ignored my lawful disputes and continued to damage my credit and banking reputation. XXXX  XX/XX/XXXX letters prove a sham investigation and violation of FCRA duties. I demand immediate deletion of all records, written confirmation within 10 days, and full accountability under federal law.

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 2025-10-30 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:
This complaint is a follow-up to my prior CFPB complaint ( # XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX response to that complaint contained false and misleading information and failed to correct inaccurate credit reporting after acknowledging key facts. I leased a vehicle from XXXX in XX/XX/XXXX and maintained insurance coverage with XXXX the entire time. XXXX verified my insurance and entered the policy details directly on the lease contract, initialing it themselves. My car was totaled in XX/XX/XXXX, and I reported it to XXXX and to XXXX per the contract. As per XXXX response to my last CFPB complaint ( # XXXX ), they admitted I notified them via secure message on XX/XX/XXXX that the vehicle was a total loss from an accident on XX/XX/XXXX, which under Section 37 ( a ) automatically terminated the contract. Despite acknowledging the total loss had occurred, XXXX continued billing me on a terminated lease and stated the lease was in default ( but not terminated ) due to late payment and/or repossession, and is now wrongly asserting to the CFPB ( via complaint # XXXX ) that I had no insurance. They furnished this false information to XXXX TransUnion, and XXXX, and to the CFPB during a federal investigation. This violates the Fair Credit Reporting Act ( FCRA 623 ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) ) and constitutes an unfair and deceptive act or practice under 12 U.S.C. 5531 ( UDAAP ). VCFS continues to label the account as an active default, pursue me for {$49000.00} ( on a lease with a {$17000.00} balance when it terminated ), and make conflicting negative credit reports, causing financial and reputational harm.

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 2025-10-30 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: CA

Complaint narrative:
This complaint is a follow-up to my prior CFPB complaint ( # XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX response to that complaint contained false and misleading information and failed to correct inaccurate credit reporting after acknowledging key facts. I leased a vehicle from XXXX in XX/XX/XXXX and maintained insurance coverage with XXXX the entire time. XXXX verified my insurance and entered the policy details directly on the lease contract, initialing it themselves. My car was totaled in XX/XX/XXXX, and I reported it to XXXX and to XXXX per the contract. As per XXXX  response to my last CFPB complaint ( # XXXX ), they admitted I notified them via secure message on XX/XX/XXXX that the vehicle was a total loss from an accident on XX/XX/XXXX, which under Section 37 ( a ) automatically terminated the contract. Despite acknowledging the total loss had occurred, XXXX continued billing me on a terminated lease and stated the lease was in default ( but not terminated ) due to late payment and/or repossession, and is now wrongly asserting to the CFPB ( via complaint # XXXX ) that I had no insurance. They furnished this false information to XXXX XXXX, and Experian, and to the CFPB during a federal investigation. This violates the Fair Credit Reporting Act ( FCRA 623 ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) ) and constitutes an unfair and deceptive act or practice under 12 U.S.C. 5531 ( UDAAP ). XXXX continues to label the account as an active default, pursue me for {$49000.00} ( on a lease with a {$17000.00} balance when it terminated ), and make conflicting negative credit reports, causing financial and reputational harm.

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 2025-10-30 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: NC

Complaint narrative:
I've disputed with all three bureaus and I've gotten no where, I also contacted the creditor to inform that the information that was reported regarding late payments was an error on the creditor 's end yet they still told me there was nothing they could do. I've included my payment history from all three bureaus and it shows for TransUnion and Experian that I had a late payment for XX/XX/year> and XX/XX/year> but for Equifax It showed On time for XXXX and XXXX of XXXX  but It says I was late XXXX and XXXX of XXXX  which doesn't make sense Because I was on time for those months on my TransUnion and Experian report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I've disputed with all three bureaus and I've gotten no where, I also contacted the creditor to inform that the information that was reported regarding late payments was an error on the creditor 's end yet they still told me there was nothing they could do. I've included my payment history from all three bureaus and it shows for TransUnion and Experian that I had a late payment for XX/XX/year> and XX/XX/year> but for Equifax It showed On time for XXXX and XXXX of XXXX  but It says I was late XXXX and XXXX of XXXX  which doesn't make sense Because I was on time for those months on my TransUnion and Experian report.

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 2025-10-30 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-30 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: VA

Complaint narrative:
NOTICE OF BILLING ERROR AND REQUEST FOR REMOVAL OF LATE PAYMENTS Pursuant to 15 U.S.C. 1666 ( a ) and ( b ) Fair Credit Billing Act Re : Disputed Late-Payment Entries/ Billing Errors This correspondence constitutes a formal written notice of billing error under the Fair Credit Billing Act, 15 U.S.C. 1666 ( a ) and ( b ), for the accounts listed below. Each account has been reported with alleged late-payment notations that are inaccurate, incomplete, or otherwise constitute a billing error within the meaning of 1666 ( b ) ( 5 ) and ( b ) ( 6 ). 


# Creditor / Furnisher Account Number Nature of Error 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 Reported XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I am submitting a written billing-error notice to the creditor under 15 U.S.C. 1666 ( a ) on [ XX/XX/XXXX ] ; a copy is attached. Under 15 U.S.C. 1666a and related Regulation Z protections, the furnisher/creditor must investigate billing errors and refrain from adverse reporting on disputes of billing errors. Please reinvestigate and delete or block the inaccurate late payment ( s ) from my consumer file unless you can provide reliable, documented proof that the reported delinquencies are accurate. If you continue to report the item, please provide the complete documentation you relied on ( account notes, payment posting history, chain of custody of any alleged chargebacks or adjustments ).

Please complete your investigation, and method of investigation, and notify the consumer of your results in writing within the time permitted by the Fair Credit Reporting Act ( FCRA ) and furnish copies of any findings or documentation. I enclose copies of documents supporting my claim. If you find the information is inaccurate, please promptly remove or correct the entry and send me written confirmation of deletion or correction, and notify all other consumer reporting agencies to which you have furnished the information.

Instructed Remedy Remove or correct all inaccurate late-payment notations for the accounts listed above.

Update consumer account histories to reflect Paid as Agreed Never Late.

Provide written confirmation of corrections within 30 days of receipt.

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/XXXX : Enrolled in Ally Bank 's referral program using a link provided by someone who is an existing customer ( J ). Criteria of {$100.00} welcome bonus stated in the email " XXXX - enrolled '' : enrol in Ally Bank 's referral program, open new account, set up monthly automated recurring transfer within XXXX  days, and the bonus will be deposited within XXXX  days of the third deposit. 
XX/XX/XXXX : Opened account, see XXXX - opened '', attached statements show XX/XX/XXXX. 
XX/XX/XXXX : Set up monthly automated transfers of {$10.00} from a XXXX Bank account. 
First transfer on XX/XX/XXXX, second on XX/XX/XXXX, third on XX/XX/XXXX. I kept it going, so there was even a fourth one on XX/XX/XXXX and a fifth XXXX on XX/XX/XXXX. 
Called Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, Emailed them on XX/XX/XXXX with the same attachments, and again on XX/XX/XXXX, and all that I received was that they are still reviewing my case ( Case number XXXX ) and will contact me after they reviewed the matter. I hope that CFPB will help resolve the matter. I should have received the welcome bonus and J should have received the referral bonus by XXXX and it's almost XXXX now.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
b"On October 14, 2025; I submitted an application online for a credit limit increase. \n\nApplication Confirmation No.\n\n2025 XXXX XXXX XXXXThe bank checked my Experian credit bureaux report with a hard inquiry dated October 14, 2025.\n\n\nOn October 15, 2025; and without my consent, the bank hit my Transunion Credit Bureaux Report with another hard inquiry. \n\nI never submitted any application with the bank on October 15, 2025.\n\n\nI submitted a complaint with the bank that they didn't have my consent for the hard inquiry made on October 15th.\n\n\nThe bank failed to provide any explanation to the hard inquiry, however. \n\n\nThe bank also denied my application for the credit limit increase, despite the fact that my payment history with the bank and my credit score qualify me for the credit limit increase. \n\nI submitted a complaint with the bank, but my complaint remains unresolved.\n\n\nI believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity,  perceived race, and perceived religion. \n\n\nI hope that this complaint would encourage the bank to provide equal opportunity and to enforce state and federal anti discrimination laws within their own organization."

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 2025-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains collection accounts that I believe are inaccurate. Under 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, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/year> To whom it may concern : PHH Mortgage sent foreclosure information to an individual who is not the borrower, not the homeowner and has no involvement or legal interest in the property. I would appreciate your assistance. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate account to the three major credit bureaus, Transunion, Experian and Transunion. Account XXXX should be removed under statue FRCA 605B immediately. Police report XXXX should be processed and substituted for the forms backed by the FTC during this government shut down. Account is an error and not mine.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
This complaint concerns inaccurate and inconsistent credit reporting by XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ). Despite the account being paid and closed, XXXX XXXX continues to report multiple conflicting dispute remarks across the credit bureaus. The remarks misrepresent the current status of the account and create a misleading impression that a dispute remains unresolved. 

The consumer, through his authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, submitted a formal Direct Dispute to XXXX XXXX on XX/XX/year>, requesting a full reinvestigation and correction of these inaccuracies. As required under FCRA 623 ( a ) ( 8 ), furnishers must ensure the maximum possible accuracy of reported information and correct or delete unverifiable data. Continuing to furnish inconsistent and inaccurate information violates the FCRA and harms the consumers credit standing. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian Equifax and TransUnion have failed to comply with their legal obligations under the Fair Credit Reporting Act. I obtained my credit report from XXXX and discovered multiple errors in both my personal identifying information and account reporting. 

I submitted formal disputes and supporting documentation requesting full reinvestigation and correction under 15 USC 1681i a. The bureaus failed to conduct a reasonable good faith reinvestigation or provide a valid method of verification as required by 15 USC 1681i a 7. They also failed to follow reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b.

The following items are inaccurate or unverifiable yet remain on my reports despite prior disputes and supporting documentation : Incorrect personal information including name and former addresses such as XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX. 
Multiple accounts reporting inaccurately including collections from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well as accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX showing false late payments or incorrect status. 

If any portion of these tradelines including balances dates payment history or remarks can not be verified the bureaus are required under 15 USC 1681i a 5 to delete the accounts entirely. To date they have failed to do so.

I have requested a complete consumer file disclosure under 15 USC 1681g which includes all information in my file at the time of my request as well as a list of all inquiries and certifications of third parties that accessed my file. The bureaus have not complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before take legal action against this midland credit management XXXX I have alerted them and the credit bureaus that the account they have on my report is NOT MINE. I never authorized any service with them nor a XXXX. 

I am an XXXX XXXX military member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with non-monetary relief