vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: AUTOMOTIVE CREDIT CORPORATION
State: NV

Complaint narrative:
Dispute of Charge-Off on Credit Report Request for Investigation I am writing to formally dispute the accuracy of a charge-off entry listed on my credit report. The account in question is : Creditor Name : Automotive Credit Account Number : Unknown Date Reported : XX/XX/year> Amount reported {$20000.00} According to my records, this information is inaccurate and/or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and removal or correction of this item from my credit report if it can not be verified as accurate. 
The balance/amount is incorrect. 
The information reported on account is not correct I was never late on this account, and it should not have been charged off. 
Please complete your investigation within the 30-day period required by the FCRA and provide written confirmation of the outcome.

Thank you for your prompt attention to this matter.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early 2025, I was charged a total of {$4000.00} on my Bank of America account ending in XXXX by deceptive online platforms operating under multiple names ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I attempted to cancel on XXXX XXXX, 2025, but the charges continued under different billing aliases. These charges were unauthorized, and I filed a dispute with Bank of America shortly after. 

My claim ( Claim # XXXX ) was denied without giving me the opportunity to submit evidence or explain my side. I attempted to contact the Dispute Department multiple times, but was unable to reach anyone due to their limited weekday hours. There was no secure upload or email option available to submit documents, which made it impossible to defend myself. 

Only after filing a formal complaint with the OCC and CFPB did Bank of America reopen my case and begin reviewing my documents ( as of XXXX XXXX, 2025, Step 2 of 3 ). I specifically requested email communication instead of phone to keep a clear record of all correspondence, as Ive experienced Bank of America dismissing concerns over the phone in the past without any documentation. 

I am asking for continued oversight of this complaint to ensure Bank of America resolves it properly and issues a full refund. The original mishandling of my case has caused unnecessary stress and delay despite clear evidence of fraudulent activity.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request the immediate removal of outdated and inaccurate personal information from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681g.

The following addresses and phone numbers are not accurate and should be permanently removed from my credit report : * * Outdated Addresses : 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 My current and only valid phone number is : * * ( XXXX ) XXXX * * Please update my file accordingly and confirm this correction in writing. If any verification is needed, I am prepared to provide proof of current residence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated eorts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 

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
Consumer complaint received 2025-05-15 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report of this complaint on the following dates XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Company Name : XXXX Date of Enquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account Care Credit/ Syncb XXXX XXXXXXXX, Im unaware of this debt and did not have the opportunity to dispute this account being confined to a XXXX XXXX  for the last couple of years. If you believe you sent proper notification, please provide Ceritified 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 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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Military star card continued to report as a late payment and collections after it was paid in full from XXXX. I have attempted to call and speak with someone about this issue, however I cant bypass the automated system without the card number. I no longer have the card.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charged-off auto loan account currently being reported on my Equifax credit report. This item is damaging my credit profile, and I demand that it be immediately deleted due to serious violations of the Fair Credit Reporting Act ( FCRA ) by both the furnisher and Equifax. 

In XX/XX/year>, I submitted a formal dispute regarding this account. As part of that process, I provided my correct address and other identifying information, and I clearly stated that the lender never repossessed the vehicle or completed the collection process. The car was never picked up, and the company made no good faith effort to resolve the matter.

Per FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is required to complete a reinvestigation within 30 days of receiving a dispute. It has now been over 30 days, and I have received no documentation, no validation, and no resolution. Instead, the charged-off account remains on my report despite the lack of any substantiating evidence.

Furthermore, under FCRA 1681s-2 ( b ), the furnisher is required to conduct a reasonable investigation upon notice of a dispute. Simply verifying the account using internal records is insufficient. No supporting evidence has been provided to me. If a creditor can not prove the legitimacy of an account, the item must be removed.

This inaccurate reporting is not only a legal violation but is also causing significant and ongoing hardship in my daily life. I am being denied housing and financial assistance opportunities because of this derogatory item. It is unfair, unsubstantiated, and unlawful. 

It is worth noting that Equifax is already under significant scrutiny for failing to conduct proper investigations and violating consumer rights under the FCRA. Given that context, I am demanding a higher standard of accountability in the handling of my dispute. 

I am formally requesting that this account be permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am kindly requesting the assistance of the CFPB in correcting an accounts on my credit report. Your help in this matter will greatly improve my credit standing. I am hopeful that in the next update, the v in question will be rectified. Thank you very much for any assistance you can provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$76000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am kindly requesting the assistance of the CFPB in correcting an accounts on my credit report. Your help in this matter will greatly improve my credit standing. I am hopeful that in the next update, the v in question will be rectified. Thank you very much for any assistance you can provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$76000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.

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 2025-05-15 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: VA

Complaint narrative:
This constitutes a violation of FCRA 607 ( b ), which requires all information reported to be accurate and complete, and FCRA 605B, which mandates the blocking of fraudulent information once identified. Because this false delinquency damages my creditworthiness and can not be properly verified, I am requesting that the CFPB enforce the immediate removal and blocking of these accounts from all reporting agencies. I am exercising my rights under federal law and requesting the CFPBs help in holding these agencies accountable for their failure to comply. their are clear inaccuracies from, different open dates, amount owed, last reporting dates, different account numbers, which proves that these accounts aren't verifiable, I have requested the bureaus do a good check and some items are only deleted on two bureaus, transunion has been awful at complying with the cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This constitutes a violation of FCRA 607 ( b ), which requires all information reported to be accurate and complete, and FCRA 605B, which mandates the blocking of fraudulent information once identified. Because this false delinquency damages my creditworthiness and can not be properly verified, I am requesting that the CFPB enforce the immediate removal and blocking of these accounts from all reporting agencies. I am exercising my rights under federal law and requesting the CFPBs help in holding these agencies accountable for their failure to comply. their are clear inaccuracies from, different open dates, amount owed, last reporting dates, different account numbers, which proves that these accounts aren't verifiable, I have requested the bureaus do a good check and some items are only deleted on two bureaus, transunion has been awful at complying with the cfpb

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
Formal Dispute of Inaccurate Late Payment Reporting Under the Fair Credit Reporting Act ( FCRA ) I am writing to dispute inaccurate information on my credit report, which I obtained from your bureau on [ Insert Date ]. The item in question concerns an alleged late payment reported by the following creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Delinquency Date XX/XX/year>. This information is inaccurate and/or unverifiable. I dispute the validity of these late payment entries and request that you investigate the matter in accordance with your obligations under the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting the following actions be taken : Conduct a reasonable investigation into the accuracy of the reported late payment ( s ).

Provide written confirmation of your findings.

Remove or correct any information that can not be verified or is found to be 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX company LVNV funding LLC contacted me unknown to me how they received my information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am kindly requesting the assistance of the CFPb in correcting an accounts on mycredit report. Your help in this matter will greatly improve my credit standing. I amhopeful that in the next update, the v in question will be rectified. Thank youvery much for any assistance you can provide. 
XXXX XX/XX/XXXXPayment Status : Current Date XXXX Date Last Active : XX/XX/XXXX Balance : {$47000.00} late 30 days XXXXXX/XX/XXXXPayment Status : Current, Date XXXX Date Last XXXX Balance : {$0.00} late 30 days XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX Balance {$4600.00XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Frozen my accounts and won't allow me to withdrawal any funds, they wanted me to prove my identity so I did, and then they wanted proof of employment. So I had my place of employment call them and they are still holding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
The personal information on my credit report were outdated.

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