vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I submitted formal disputes to Experian regarding inaccurate information on my credit report. Despite allowing sufficient time for investigation under the FCRA, I have not received any response or update from Experian. This lack of action demonstrates a failure to fulfill their obligation to investigate and correct disputed data. I believe Experian is either neglecting the investigation process or failing to notify me of its results.

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 2025-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding a collection account that remains on my XXXX XXXX, despite a prior agreement that it would be removed upon payment. Payment was made months ago and i didn't receive the written receipt/payment notification as agreed by Bank of America XXXX 

Bank of America and I reached an agreement that if I paid the outstanding debt in full, they would remove the collection account from XXXX  XXXX  major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX  I fulfilled my end of the agreement and paid the debt in full.. However, the collection account is still being reported on my XXXX XXXX XXXX  impacting my XXXX XXXX. 
I have contacted Bank of America XXXX XXXX to request the removal, referencing our agreement, but I have not received a satisfactory response or resolution. I am requesting that the CFPB investigate this matter and XXXX Bank of America to honor the agreement by removing the collection account from XXXX XXXX XXXX XXXX 
This situation is causing XXXX XXXX to my creditworthiness and financial stability, and I believe it constitutes unfair or deceptive practices under the Fair Credit Reporting Act ( FCRA ).

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: GA

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX  XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX  account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: NC

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 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 — Personal information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I disputed inaccurate information on my XXXX  credit report. My name is incorrectly listed as XXXX XXXX XXXX XXXX, which is not my legal name. I submitted a written dispute on XX/XX/year>, along with my ID and proof of address, asking XXXX to correct my name and investigate all accounts reported under the wrong identity. 

I specifically requested that they investigate a Regions Bank account showing late payments and verify that it was correctly associated with me. I also asked that any unverifiable or inaccurate information be removed from my report under the Fair Credit Reporting Act. 

I have already paid this Regions account, yet the negative information remains. XXXX failed to remove or correct it despite being linked to an incorrect identity. I am now filing this complaint to request that the CFPB investigate and ensure my credit report is corrected properly.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter to file a formal complaint against Experian for failing to remove inaccurate and disputed items from my credit report, despite multiple attempts to resolve these issues directly with the credit bureau. 

I am a documented victim of identity theft and have a fraud alert placed on my credit file, effective XX/XX/XXXX. Nevertheless, Experian continues to report several derogatory and inaccurate items that have negatively impacted my credit score and financial well-being. These items include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This timeshare account was settled and closed in XX/XX/XXXX, with a note indicating it was Paid in settlement. Despite this, the account reflects XXXX  months of potentially negative payment history, including charge-offs and late payments that should have been resolved as part of the settlement agreement. This entry is misleading and does not accurately reflect the agreed-upon terms of closure.

2. Multiple XXXX  XXXX Accounts ( Accounts XXXX XXXXXXXX, XXXX, XXXX ) These accounts were charged off and are now closed. I have disputed these items in good faith, as they do not reflect any open or active balances and should be removed given their small amounts and age.

3. Hard Inquiry XXXXXXXX XXXX  ( Dated XX/XX/XXXX ) I did not authorize this inquiry. As a victim of fraud, I should have been notified and asked for verification. I have attempted to dispute this inquiry with Experian, yet it remains on my report without proper resolution. 

I have followed the appropriate procedures to dispute these inaccuracies, including submitting written disputes and supporting documentation. Despite this, Experian has failed to investigate and correct these errors as required by the Fair Credit Reporting Act ( FCRA ). 

These continued inaccuracies have caused significant harm to my creditworthiness and ability to secure financing, housing, and other essential services. I respectfully request the CFPB to investigate Experians non-compliance with the FCRA and to compel the bureau to : Permanently delete the XXXX XXXXXXXX XXXX XXXX accounts from my report. 
Remove the unauthorized inquiry from XXXX Mortgage. 
Acknowledge and honor the fraud alert already in place on my file. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional documentation or details are needed to proceed.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute of a late payment listed on my credit report. Upon reviewing my records, I found no evidence that supports the claim that this payment was late. I believe this entry to be inaccurate and request that you initiate a reinvestigation under the provisions of 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, there are items on my credit report that are a direct result of identity theft. XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$130.00}.

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 2025-06-28 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: OH

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: 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, I received a written notice from Credit Systems International , Inc. ( CSII ) stating I allegedly owed {$390.00} to XXXX  XXXX for a service address I do not recognize. The notice provided a dispute deadline of XX/XX/year>. 

I submitted a formal electronic dispute through their website prior to the deadline, requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for a copy of the original bill, a breakdown of the charges, proof the debt was mine, and the name and address of the original creditor.

CSII never responded to my dispute or provided any verification. Despite this, between XXXX XXXX XXXX, they reported the debt to the credit bureaus. 

This action violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibit reporting a debt while a consumer dispute is unresolved and without first providing validation. I believe this debt is not mine, and I am requesting its immediate removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a debt that was reported or attempted to be collected by XXXX XXXX. I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, by requesting proper validation of the alleged debt in writing on multiple occasions. Despite these requests, the company has failed to provide any verification or documentation to substantiate the debt.

Under the FDCPA, once a consumer disputes a debt in writing within 30 days of initial contact, the debt collector must cease all collection activity and provide verification of the debt before continuing. In this case, the company continued collection efforts without validating the debt, which is a direct violation of the FDCPA. XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Amount : {$610.00} Disputed and Information was requested XXXX of 2024

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank , N.A . regarding the inaccurate and misleading reporting of a closed credit card account on my XXXX  credit report. 

The account ending in XXXX was opened as a secured credit card, but it was immediately blocked by Wells Fargo upon my attempt to activate it. The account was never used, never carried any balance, and was officially closed on XX/XX/year>. 

In their written response ( attached ), Wells Fargo confirmed the following : The account was never charged off The account has a {$0.00} balance It was not used transactionally Despite this, Wells Fargo is reporting the account to XXXX as Closed by Credit Grantor, which suggests that the account was closed by the creditor due to negative activity or risk, which is not true. This notation is misleading and damages my credit reputation unfairly. 

I respectfully request that : The account be updated to reflect Closed at consumers request, or The account be removed entirely from my credit report, as it does not reflect actual usage or risk behavior. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting. I believe this classification is inaccurate and misleading and request CFPBs assistance in resolving this issue.

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 2025-06-28 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated XXXX XXXX  any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 non-monetary relief
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: CA

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