vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issuer : Bank of America ( credit card ) Merchant : XXXX XXXX XXXX XXXX, Alaska What happened : On XX/XX/2025, I purchased a jewelry set at XXXX XXXX store. I was quoted {$7200.00} ( incl. tax ) but my card was charged {$8200.00} and {$790.00} ( total {$8900.00} ) while I was told to leave for an hour as paperwork was prepared. The card was charged before I saw or approved any invoice/receipt, and there was no verbal disclosure of any final sale/return policy before payment. 

After leaving XXXX, I found that what was represented did not match the goods : I was told the set was XXXX gold but there were inconsistencies ; the necklace emeralds are visibly lighter/mismatched versus the rest of the set ; and the ring is misshapen. I was also promised appraisal data cards within XXXX weeks ; as of XX/XX/2025, it has been 63 days ( XXXX weeks ) with no deliverynon-delivery of promised goods. 

My attempts to resolve : XX/XX/2025 : I sent a written refund demand to the merchant. 
XX/XX/2025 and thereafter : Merchant refused a refund, offered only store credit, and repeatedly referenced signed receipts/video but would not provide copies to me or the XXXX. I filed a XXXX  complaint and notified the Alaska Attorney General. 

I disputed with Bank of America. BOA initially issued a temporary credit for {$790.00}, then denied that portion and later denied the remainder ( total {$8900.00} ), citing merchant documentation ( a purported signature ). I requested the full merchant packet ( signed sales drafts, itemized invoice, policy page, timestamps ) but have not received complete documentation addressing when any signature was captured relative to the charges or proving pre-sale disclosure of final sale. 

Difficulties contacting BOA : On XX/XX/2025, I called BOA disputes and experienced XXXX minutes on hold each time. During one call on XX/XX/2025, the representative told me I would need to hire someone to prove the signature is not mine and that not much could be donedespite my statements that any signature was obtained after the charges were processed and that other issues ( not-as-described/defective and non-delivery of the appraisal cards ) were not addressed. 

Why I am filing with CFPB : I believe BOA did not conduct a reasonable reinvestigation under the Fair Credit Billing Act by relying on a merchant signature likely captured after the charge ( not informed consent ) and by failing to evaluate/consider my additional claims of Merchandise/Services Not Received ( appraisal cards ) and Not as Described/Defective ( mismatched stones, misshapen ring, inconsistent metal representation ).

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-16 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: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, I am disputing the reporting of a fraudulent account and unauthorized inquiries appearing on my credit file. The account in question is XXXX XXXX with a reported balance of {$3700.00}. 
This account was previously deleted due to identity theft and has been reinserted illegally. Its continued reporting is inaccurate and unverifiable. Such actions violate my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and FCRA 1681i, which mandates reinvestigation and deletion of unverifiable information. 
I demand the immediate removal of this fraudulent account and all related unauthorized inquiries from my credit report. If this account and related inquiries are not deleted within the statutory time frame, I reserve my right to pursue all remedies available under FCRA 616 and 617 for willful or negligent noncompliance please find attached FTC report, report showing account was deleted, and most recent electricity bill

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 2025-08-16 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: VA

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-16 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: TN

Complaint narrative:
Personal Financial Journey During the COVID-19 Pandemic Challenges Faced During the Pandemic During the XXXX pandemic, I, XXXX XXXX, experienced a period of unemployment that lasted six months. During this time, I purchased a new vehicle and encountered a rent increase, which resulted in falling behind on bills. 

Current Goals and Financial Efforts My focus now is on purchasing a home. To achieve this goal, I am actively working to pay down existing debt. Despite my efforts, I have been denied a bank loan and am therefore prioritizing improvements to my credit report, including addressing student loan obligations. 

Request for Support I kindly request the removal of any negative items from my credit report, including late payments. 


Thank you for your time and support. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: PA

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 identity 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 2025-08-16 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: PA

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 identity 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 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 2025-08-16 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: LA

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/scrub>XXXX  -Balance {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-08-16 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
Affirm / XXXX have me in their system as a unpaid debt. I never used either before and im requesting validation. Someone apparently got my information and ordered and did not pay and im continously getting denial letters. See attached. I never had a account with either company and want to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute & Debt Validation Request Account Name : XXXX XXXX  Account Number : XXXX Dear Experian, XXXX, TransUnion, and XXXX XXXX, This letter serves as a formal dispute of the above-referenced alleged debt and a request for validation. Please note that this is not an acknowledgment of liability.

To the Debt Collector MIDLAND CREDIT ( FDCPA 15 U.S.C. 1692g ) : I hereby request complete validation of this alleged debt. Specifically, provide the following : The exact amount of the alleged debt, including a detailed itemization of all interest, fees, and charges.

The full name and address of the original creditor.

A complete payment history and accounting showing how the balance was calculated.

Copies of any and all signed contracts, agreements, or documents that prove I am legally obligated to pay.

Documentation proving your authorization to collect in my state.

Until such validation is provided in writing : You are prohibited from selling, transferring, or assigning this alleged debt. 

You must cease all collection activity, including reporting or continuing to report this account to any credit bureau. 

To the Credit Bureaus Experian, Equifax, and TransUnion ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account on my credit report. Under the Fair Credit Reporting Act, you are required to : Conduct a reasonable reinvestigation of this account. 

Verify the account with complete and accurate documentation from the furnisher ( XXXX XXXX ) Remove or correct the account if the furnisher can not provide sufficient evidence within the statutory timeframe. 


I expect a written response within 30 days of receipt of this letter.

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 2025-08-16 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: TN

Complaint narrative:
This letter serves as my formal dispute regarding the late payment ( s ) being reported on my credit file in connection with the following account : Account Name : XXXX XXXX, Account Number : XXXX. Date ( s ) of Late Payment Being Reported : XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any information I dispute as inaccurate. Additionally, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 
The late payment reported for XX/XX/XXXX is inaccurate, incomplete, and/or unverifiable. On XX/XX/XXXX, I mailed a dispute letter to TransUnion regarding this inaccuracy, but the issue remains unresolved on my TransUnion credit report. The report shows a 30-day late payment for XX/XX/XXXX, despite the account being current overall ( balance ~ {$300.00}, credit limit {$1000.00}, high balance {$1100.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX, payment amount {$15.00}, past due {$0.00} ). XXXX  also reports this late payment inaccurately, but XXXX  correctly shows no late payment for XX/XX/XXXX, with all months as current in the two-year payment history. This discrepancy across bureaus indicates an error in reporting by XXXX XXXX to TransUnion. 
Key details from my credit reports : TransUnion : Balance {$300.00} ; Last Verified XX/XX/XXXX ; Payment Status : Current ; Past Due {$0.00} ; Two-Year History : " XXXX '' in XX/XX/XXXX ( inaccurate ), all others " OK. '' XXXX  : Balance {$300.00} ; Date Reported XX/XX/XXXX ; Payment Status : Current ; Past Due {$0.00} ; Two-Year History : " XXXX '' in XX/XX/XXXX ( inaccurate ), all others " OK. '' XXXX  : Balance {$300.00} ; Date Reported XX/XX/XXXX ; Payment Status : Current ; Past Due {$0.00} ; Two-Year History : No late payment in XX/XX/XXXX, all current. 
n 1681i ( a ), including verifying the accuracy with XXXX XXXX, and ensure compliance with 15 U.S.C. 1666b if proper billing notice was not provided. If TransUnion can not furnish lawful, verifiable evidence substantiating this late payment, the derogatory information must be removed. 
Attached : Copies of my TransUnion, XXXX, and XXXX  credit reports highlighting the discrepancy ; my XX/XX/XXXX dispute letter to TransUnion ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-16 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: TX

Complaint narrative:
b'Under FCRA 611 (15 U.S.C. 1681i), consumer reporting agencies are required to conduct a reasonable investigation of disputed information and correct or delete any inaccurate or unverifiable data. Additionally, FCRA 605B protects consumers against the reappearance of previously deleted information, and FCRA 604(a)(3)  15 U.S.C. 1681b(a)(3) mandates that consumer reports may only be furnished for permissible purposes.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

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