vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint due to Experian, TransUnion, and Equifax continuing to report inaccurate, fraudulent, and unverifiable accounts on my credit reports in violation of multiple consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) 602, 604, 605, 607 ( b ), 609, 611, and 623 - Fair Debt Collection Practices Act ( FDCPA ) - Gramm-Leach-Bliley Act ( GLBA ) - Consumer Financial Protection Act ( CFPA ) - California Consumer Privacy Act XXXX CCPA ) - Recent federal rulings including XXXX XXXX TransUnion LLC My personally identifiable information ( PII ) was exposed during the Equifax data breach in XX/XX/XXXX, resulting in identity theft and unauthorized use of my personal data. These companies have continued to report the following accounts after being informed of the breach, the identity theft, and multiple disputes : XXXX. XXXX XXXX XXXX ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - Reported with multiple 30, 60, and 90-day late payments. No permissible purpose. No contract produced. 
Violates FCRA 604 and 609. 
XXXX XXXX XXXX XXXX ( Reported by Experian, TransUnion XXXX and Equifax XXXX - Disputed : XX/XX/XXXX and XX/XX/XXXX - Late payments reported. No signed agreement provided. Violates FCRA 609, 611. 
XXXX. XXXX XXXX XXXX ( Reported by Experian and Equifax ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - Fraudulent account, no verification. Violates FCRA 623 ( b ). 
XXXX. XXXX XXXX ( Reported by Experian and TransUnion ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - Unverified account, no signed contract. Violates FCRA 604. 
XXXX. XXXX XXXX - Collection by XXXX XXXX XXXX ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - Never had an account. Fraudulent. Violates FDCPA 809 and FCRA 611. 
XXXX. XXXX  XXXX XXXX - Collection by XXXX XXXX  ( Reported by Experian and Equifax ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - No documentation. Fraudulent. Violates FDCPA and FCRA 609, 623. 
XXXX. XXXX XXXX - Collection by XXXX XXXX  ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - No authorization or proof. Violates FCRA 604, 609 Requested Relief : - Permanent deletion of these accounts from all credit reports. 
- Cease-and-desist all unauthorized data reporting/sharing. 
- Full investigation of FCRA and FDCPA violations. 
These accounts were never validated per law, and the continued reporting after notice of fraud and identity theft is damaging and unlawful. 

These actions have caused me financial hardship, credit denials, and emotional distress. I demand immediate corrective action and request enforcement of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate and misleading credit reporting by XXXX, which is negatively affecting my credit profile. 

The account in question ( partial account number : XXXX ) originated with XXXX XXXX and was later sold to XXXX XXXX XXXX I have since paid this debt in full directly to XXXX XXXX, and I have attached documentation proving the payment was made. 

Despite this, XXXX is inaccurately reporting the account as " paid/closed charged off '' to the credit bureaus. This status misrepresents the nature of the resolution and implies that I failed to meet my financial obligation, which is false. The account was not charged offit was transferred and subsequently resolved. 

I contacted XXXX to dispute this reporting, and they confirmed that the account had been sold and was no longer with them. Nonetheless, they are still furnishing misleading information, which is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2, which governs the responsibilities of furnishers of information.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I requested a refund of a {$10000.00} credit balance on my Bank of America credit card on XX/XX/year>. Under Regulation Z ( 12 CFR 1026.21 ), the bank was required to process and mail my refund within XXXX business days. As of XX/XX/year>, I have still not received my funds. 

Bank of America initially responded to my earlier CFPB complaint ( # XXXX ) saying they were still working on it. Since then, I have received no refund, no tracking number, and no confirmation of processing. A representative ( XXXX XXXX ) missed a scheduled call, and another representative ( XXXX XXXX ) left a voicemail acknowledging the issue but has not followed up with a secure email as promised. 

Bank of America is unlawfully holding my {$10000.00} interest-free and continues to delay without justification. I believe this is a clear violation of the Truth in Lending 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 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # : XXXX * * * * This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not XXXX or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ). 
It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Balance : {$130.00} Account # XXXX Balance : {$160.00} Account # XXXX Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( XXXX XXXX  ), and were reported on different dates for similar amounts. 
These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting. 
They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records.

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

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 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # : XXXX * * * * This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not XXXX or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ). 
It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Balance : {$130.00} Account # XXXX Balance : {$160.00} Account # XXXX Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( XXXX XXXX  ), and were reported on different dates for similar amounts. 
These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting. 
They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records.

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b"Complaint Regarding Refund Issue by Bank of America\n\nDear CFPB,\n\nI am writing to formally submit a complaint regarding Bank of Americas Refund Issue.\n\nOn XXXX XXXX XXXX, I transferred XXXX from my BoA account to a XXXX  account of my friend, but I was told on XXXX XXXX the money was not transferred out successfully as I used wire account number with ACH transfer. I contacted the bank's customer service on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told:\n\n1. The money has been returned to BOA on XXXX XXXX, the money is suppose to be back to my account within 3-7 working days. But until XXXX XXXX, I haven't seen the refund yet.\n2. They would investigate and file a claim. However, after several follow-ups, the issue remains then, and it has negatively impacted my work and life, as the amount is XXXX \n3. BOA's customer service told me I have to wait the claim to be resolved 10-45 working days, I can claim this with any departments or find a lawyer if I want to. They can do nothing but let me wait. \n\nI am requesting that CFPB investigate this matter and ask BOA do the refund XXXX to my account asap. Thanks for your attention, that will be really help me.\n\nSincerely,  XXXX XXXX XXXX XXXX XXXXXXXX

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 monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX opened on XX/XX/XXXX, a loan account with XXXX XXXX opened on XX/XX/XXXX, and a collection account with Delinquent Recovery opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Im submitting this complaint against Capital One regarding the sudden and unfair closure of my credit card account. I believe this resulted from a system error or payment processing issue not any fault of mine. 

I have always paid my Capital One credit card early, never missed a payment, and kept my balance low to build my credit. Recently, Capital One began returning my payments, even though I had sufficient funds in my XXXX XXXX  account. I can provide bank statements as proof. 

To avoid further issues, I switched to using my husbands bank account. He is XXXX XXXX military with a stable income. All payments from his account processed without issue until now. We scheduled a {$250.00} payment for XX/XX/year>, but today ( XX/XX/XXXX ) I found my account was closed and the payment returned, even though his account had thousands available. 

Capital One support told me my account was closed due to multiple returned payments and advised me to ensure funds are available but they were. I also have a Capital One savings account with {$400.00}, showing I continue to trust their services. 

This was my first credit card, and Ive worked hard to build credit. Ive never been late and always pay early. Closing this account without my consent could hurt my credit, and its not due to any wrongdoing on my part. 

They told me I cant appeal but should call back XX/XX/XXXX to see if they might reopen the account. This lack of clarity and accountability is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 NEED TO UPDATE MY ADDRESS AND REMOVE ANY OTHER FRAUDULENT ADDRESS THATS APPEARING ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY FRAUD AND EXPERIAN AND EQUIFAX ARE YET TO REMOVE THOSE FRAUDULENT ADDRESSES FOR ME. PLEASE HELP ME DO THAT. PLEASE SEE MY ATTACHED DOCUMENTS

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