vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: AL

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. CXXXXe XXXXb 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Complaint Regarding False Credit Reporting by Bank of America Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Bank of America regarding an inaccurate late payment reported to the credit bureaus that has significantly harmed my credit. The item in question is a {$39.00} late payment dated XX/XX/year>, which I strongly dispute. 

I had established automatic monthly payments on my account and reasonably believed they were being processed. On XX/XX/year>, I received a letter from Bank of America stating that my account was past due. When I called, I was told that something had unintentionally occurred in their system, my recurring payment had been canceled, and I needed to re-enroll. At my request, my online account access ( which had not been working ) was restored, and I immediately paid the balance in full. 

Later, XXXX XXXX notified me by email that a negative mark from Bank of America had been reported, potentially affecting my credit for XXXX years. I contacted Bank of America again on XX/XX/year> and was given conflicting explanations : first that reporting only occurs after a second past-due payment, then that their new system required manual re-enrollment. They also claimed I had been notified by mail or email, but I never received any notice. 

I asked Bank of America to contact the credit bureaus directly to correct their error, but they told me they could not and that I must reach out to XXXX myself. This places the burden of their system failure on me, which is both unreasonable and unfair. 

This situation was entirely outside of my control, not due to negligence, and has severely damaged my credit history. I can not and should not be forced to suffer lasting consequences because of Bank XXXX XXXX mistake. 

I respectfully request the CFPBs intervention to compel Bank of America to correct this false report and notify all credit bureaus immediately. Attached please find Proof of payment for your reference. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Cell : ( XXXX ) XXXX Email : 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 2025-09-09 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I received a letter dated XX/XX/year> from Toyota Financial Services regarding a Privacy Notice and Notice of Furnishing Negative Information. Included with this letter was a letter on which I have to check boxes indicating that I do not want Toyota Financial Services to share my information with their affiliates and franchises. 

However, the envelope that they included to return the sheet indicating my choices does not have the postage already prepaid. Both the decision to do this via physical mail and not prepaying the postage are blatant attempts by the company to set up extra hurdles for consumers to jump over in the hopes that they will give up/decide that telling Toyota Financial Services that they don't want them to share their data is not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit reports and found two unauthorized hard inquiries from XXXX XXXX. I did not apply for credit with this company and did not authorize these inquiries. I have attached my IdentityTheft.gov Identity Theft Report/Affidavit and supporting screenshots. Please investigate and remove these unauthorized inquiries from my file. 

XXXX XXXX XX/XX/year> XXXX XXXX  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 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute of Charge-Off Under the Fair Credit Reporting Act ( FCRA ) Account Number : [ Insert Account Number ] Creditor Name : [ Insert Creditor Name ] I am writing to formally dispute the accuracy and validity of the charge-off listed on my credit report associated with the above account. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681i ( a ) ( 1 ) ( A ) My right to dispute any item on my credit report and request a reinvestigation by the credit reporting agency.

1681s-2 ( a ) ( 1 ) ( A ) The obligation of the data furnisher to report accurate information.

1681c ( a ) ( 4 ) The limitation on reporting negative information beyond the allowable time frame ( typically 7 years from the date of first delinquency ).

I am requesting that you conduct a reinvestigation into this account and provide the following : Verification of the debt including the original signed contract, full payment history, and documentation supporting the charge-off status.

Date of first delinquency.

Proof that the account is being accurately reported and not in violation of any FCRA provisions.

If you are unable to verify the accuracy of this account with the original creditor, or if the account is outdated or reported incorrectly, I request that it be deleted from my credit report immediately.

Please complete your investigation within the 30-day window required by FCRA 1681i ( a ) ( 1 ) and provide written confirmation of the outcome. I have enclosed a copy of my credit report with the disputed item highlighted for your reference.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
XXXX XXXX, IL XXXX Re : Identity Theft & Credit Report Disputes Request for Immediate Deletion and Correction To Whom It May Concern, I am a victim of identity theft and inaccurate reporting. I dispute the accuracy and completeness of the information listed in my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand deletion of all fraudulent, unverifiable, and inaccurate items.

Legal Grounds for Deletion : 15 U.S.C. 1681c-2 : Fraudulent information must be blocked within 4 business days after receipt of identity theft report & proof.

15 U.S.C. 1681i : Bureaus must reinvestigate disputes within 30 days ; unverifiable information must be deleted.

15 U.S.C. 1681e ( b ) : Bureaus must ensure maximum accuracy ; any unverifiable late payments or data must be deleted.

15 U.S.C. 1681s-2 : Furnishers must investigate and stop reporting inaccurate information once notified.

= ]

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 2025-09-09 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: IL

Complaint narrative:
XXXX XXXX, IL XXXX Re : Identity Theft & Credit Report Disputes Request for Immediate Deletion and Correction To Whom It May Concern, I am a victim of identity theft and inaccurate reporting. I dispute the accuracy and completeness of the information listed in my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand deletion of all fraudulent, unverifiable, and inaccurate items.

Legal Grounds for Deletion : 15 U.S.C. 1681c-2 : Fraudulent information must be blocked within 4 business days after receipt of identity theft report & proof.

15 U.S.C. 1681i : Bureaus must reinvestigate disputes within 30 days ; unverifiable information must be deleted.

15 U.S.C. 1681e ( b ) : Bureaus must ensure maximum accuracy ; any unverifiable late payments or data must be deleted.

15 U.S.C. 1681s-2 : Furnishers must investigate and stop reporting inaccurate information once notified.

= ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
I made a purchase on a pair of jeans on XXXX on XX/XX/year>. Then I realized I already have these new jeans so I decided to cancel the order. Its been almost a week I never received my refund for XXXX I contacted XXXX they said they didnt charge my card and they did I have a screenshot of the transaction. I called Direct Express and they arent helping theyve stated theyre not a bank yet comerica is a bank. The direct express customer service is horrible and they dont do their jobs correctly I feel like theyre stealing my money or holding on to it. Im social security XXXX benefits and I need my money back! Also both companies told me to contact XXXX and XXXX isnt doing anything either! I just want my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I did XXXX transactions using my American Express Blue XXXX XXXX credit card on XXXX XX/XX/year> ( posted on XXXX XX/XX/year> on credit card ) on XXXX XXXX website for ticket upgrade but I did not receive full round-trip ticket which I paid for. I called XXXX to solve issue but I did not receive any resolution. I was booking other tickets which were depending on this previous ticket so I had to call American Express and file dispute for these transaction on XXXX XX/XX/year>. I also booked new ticket for same trip so I can book other depended tickets as well. I requested only refund as resolution for dispute after reaching to that point. XXXX provided complete ticket on XXXX XX/XX/year> when I was too late and not needed anymore. American Express closed my dispute stating that airline has provided ticket. I reopened dispute and provided all information but American Express closed my dispute again stating that I should contact airline. XXXX, American Express not providing any support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Regarding Fraudulent American Express Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against American Express and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for inaccurate reporting of a fraudulent account. 
The American Express account ( Acct. ending XXXX ) is being reported as a charge-off with a past-due balance. This account does not belong to me. I have no contractual obligation to American Express, and no proof of ownership has been provided. 
Key Issues : 1. Under 15 U.S.C. 1681i, the credit bureaus must conduct a proper reinvestigation.

2. Under 15 U.S.C. 1681s-2 ( b ), American Express must investigate and report only accurate information.

3. Under 15 U.S.C. 1692e, misrepresenting ownership of a debt is unlawful.

Requested Relief : - Immediate deletion of the fraudulent American Express tradeline.

- Written confirmation that American Express and the bureaus are in compliance with the law. 
Sincerely, XXXX XXXX Enclosures : - Copies of dispute letters to the bureaus - Copy of dispute letter to American Express - Government-issued ID and proof of address - FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
A deposit from my employer was sent on XX/XX/XXXX XXXX I tried to cash out the funds. I updated all my bank information. Cashapp froze my accounts and will not release my money. Its been a little of 2 months. I call every week and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BCG Equities, LLC
State: WI

Complaint narrative:
On XX/XX/year> I was sued in case XXXX for {$1400.00} and I have no knowledge of this suit. The address they put down for me to be served at isnt mine never was. That address is also on my credit report isnt mine never was. Ive had a vehicle stolen, wallet and cell gone in that which has resulted in numerous problems with my credit. The people who sued me are BCG Equities LLC and there is a class action lawsuit against them for suing people on the date they sued me. I would like this removed from my record and ccap as I am attempting to buy a home. And this is greatly affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXXXXXX 30 days late reported. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-09 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: TX

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report :

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 2025-09-09 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: CA

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 2025-09-09 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported on my Experian credit report by XXXX XXXX XXXX. 

I previously submitted disputes to Experian concerning two accounts reported by XXXX XXXX XXXX  ( Acct # ending in XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts are being reported as charged off with outstanding balances ( {$630.00} and {$1200.00} ), even though they were sold or transferred to a third-party collector ( XXXX XXXX ). 

If these accounts were sold, XXXX XXXX must report them as {$0.00} balance/ sold or transferred, not as active with balances owed. By continuing to report balances, XXXX XXXX is misrepresenting the status of these debts, creating duplicate and misleading reporting while a collection agency is also pursuing the same balances. 

This inaccurate reporting has directly inflated my revolving utilization to 159 %, when in reality it should be 0 % once the balances are corrected. This is artificially lowering my credit score and causing ongoing harm to my creditworthiness. 

I disputed this information with Experian. On XX/XX/year>, Experian updated my report to add a consumer disputes account notation but failed to : Conduct a reasonable investigation. 

Delete or correct unverifiable information. 

Provide me with documentation of how and by whom the accounts were verified. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( a ) : Failure of the credit bureau to conduct a reasonable reinvestigation. 

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or should be known to be inaccurate by 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
Consumer complaint received 2025-09-09 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: HI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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