vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Bank of America Re : Dispute of Incorrect Credit Reporting and Notice of Securitization Account numbers ending at XXXX and XXXX : Dear Bank of America, I am writing to formally dispute and address the incorrect reporting of the above-referenced account to the credit bureaus. According to my records, this account was charged off ; however, I have noticed that a balance continues to be reported as due, which constitutes a violation of applicable laws, including recent case law in the United States.

Under federal and state fair credit reporting laws, any reporting of a charged-off account that still shows a balance due is inaccurate and misleading. Specifically, the misreporting of this account adversely impacts my credit score unjustly, and I contend that the continued reporting of an outstanding balance after a charge-off constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and relevant case law, such as the US Supreme Court rulings affirming the importance of truthful and complete credit reporting.

Furthermore, I wish to bring to your attention the securitization of debts, which complicates the traditional ownership and reporting processes. If this account has been securitized or transferred through third parties, proper documentation must be provided to establish your authority to report this debt. Any failure to do so violates my rights and the accuracy standards mandated by the FCRA. 


Sincerely, 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 2025-06-28 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: FL

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 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 2025-06-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 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: TX

Complaint narrative:
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 2025-06-28 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: CA

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My identity was stolen and used to open multiple credit cards and loan accounts. I need help to remove these fraudulent accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Request for Removal of Unverified and Potentially Violative Late Payment Entries Dear Sir/Madam, I am writing to formally dispute certain late payment reports on my credit file that are adversely impacting my credit score and impede my efforts to secure a home loan.

According to the Fair Credit Reporting Act ( FCRA ) and relevant statutes, including the Uniform Commercial Code ( UCC ) 1566b, reporting late payments without proper verification and compliance constitutes a violation. 

These entries are inaccurate and unverified, and their presence is causing undue harm to my creditworthiness. I request that you investigate these late payments promptly. If they can not be verified or are found to be in violation of applicable laws, I respectfully request their immediate removal from my credit report. 

Please provide me with a written confirmation of the results of your investigation and the actions taken within the legally mandated timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution so I can proceed with my home purchasing plans. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am writing this to clarify a statement in my previous complaint. I made an error in regard to US Bank and and the best interests of their customers. I mistakenly said they did and I would like to clarify that in my circumstance they did not handle it with any regard to my best interests.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Accounts and/or inquiries have been made using my personal information without my authorization. I did not initiate or approve these actions, and I am requesting that the fraudulent information can be investigated, removed, and blocked from my credit report in accordance with the Fair Credit Reporting Act.

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 2025-06-28 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: FL

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This marks my fifth formal CFPB complaint against Capital One related to the same unlawful conduct and yet Capital One has responded with silence, delay, and a complete disregard for legal and regulatory oversight. I have filed proper court complaints, served every document, submitted multiple settlement opportunities, and even followed procedural rules to file discovery, notice of sanctions, and judicial requests all while Capital One refuses to act in any way that suggests good faith. 

> Despite this, I have remained committed to resolution. I previously offered to settle the matter for {$60000.00}, then {$80000.00}, then {$100000.00}, and finally {$150000.00} all of which were ignored. As of XX/XX/year>, I have now filed a final, non-negotiable standing settlement demand of {>= $1,000,000}, which will remain valid only until : > 1. I obtain legal counsel, 2. I initiate or join a class action lawsuit, or 3. One day prior to a scheduled hearing in court.

I do this not out of greed, but out of principle. This was never about finding out what was in Capital Ones wallet it was about whats in their clauses. Their continued refusal to address this matter is not just disrespectful to me it is a slap in the face to the CFPB, to the courts, and to the rule of law.

> I will be launching a media campaign this weekend to raise awareness for other consumers who may have experienced similar harm. I am also actively seeking legal counsel for escalation to federal court or class certification. The time for secrecy and silence is over and I believe this agency, and others with oversight, have the tools and authority to tear the doors off the hinges and expose the discriminatory, predatory, and deceptive practices buried in Capital Ones internal systems.

> I am documenting every step not to create conflict, but to preserve my dignity and protect other Americans who have been subjected to the same tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NV

Complaint narrative:
XXXX XXXX is Showing as a charge off with a balance. Account was paid in full. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
This is a formal request for the immediate issuance of a 1099-C form related to charged-off debt associated with account XXXX. In accordance with the IRS regulations, this form is required for tax reporting purposes. I am herby demanding that the 1099-C be provided to me within Seven ( 7 ) business days from the date of this notice. Failure to comply will result in my contacting the Internal Revenue Service to report your noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2025-06-28 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: NJ

Complaint narrative:
I am filing this complaint because XXXX has reported an account on my credit report using my current Social Security Number ( SSN ), which was recently issued by the U.S. government XXXX 
This account does not belong to me and may have been associated by mistake, possibly due to an old ITIN or a failure in identity verification by the company. 

This situation is negatively affecting my financial standing, as the account appears as if it were mine. I have filed disputes with the credit bureaus and have tried contacting the company, but I have not received a resolution. 

I am requesting a formal investigation and that this account be removed from any association with my current legal identity. 

I request that the account reported by XXXX be removed completely from my credit report, as it is not mine and was linked to my newly issued Social Security Number by mistake. 

I also request that XXXX provide a written confirmation that the account has been disassociated from my SSN and that all credit bureaus are notified to delete it from their records. 

Additionally, I would like any negative impact this error may have caused to be corrected and reflected in my credit score once the account is removed.

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 2025-06-28 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: AZ

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 2025-06-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
I would like to request that this hard inquiry be removed from my credit report as it negatively impacts my credit score. If this inquiry was made without my consent or due to an error, I kindly ask for its removal in accordance with the Fair Credit Reporting Act.

Please confirm the receipt of this request and inform me of any next steps in this process. If further documentation is required to support my claim, I am happy to provide it promptly.

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 2025-06-28 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief