vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BANK OF AMERICA dated XX/XX/2025, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BANK OF AMERICA s immediate compliance with FCRA requirements. 

BANK OF AMERICA 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 2025-11-12 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: RI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and validity of the account being reported by Comenity Bank / New York & Company on my credit file. I have an affidavit related to this matter, and to the best of my knowledge, this account was previously resolved. I am unsure why it continues to appear on my credit report. 

I am requesting that Comenity Bank and any credit reporting agencies verify the accuracy, ownership, and current status of this account, including documentation that supports its validity and continued reporting. If verification can not be provided, I am requesting the account be deleted or corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ) XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA 611 : Failing to remove or correct unverified or disputed data. 

State of Texas Consumer Protection- Unfair Trade Practices Act I have already filed a formal dispute directly with XXXX XXXX XXXX and the major credit bureaus, but no appropriate response or valid documentation has been provided within the required timeframe. 

I am requesting your office investigate XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act and for unlawfully furnishing inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have tried to settle this account with many creditors and they don't help me out with this case, numerous calls and non stop voicemails, I have asked them to settle this account for the value they had requested, now a new company is involved and I feel constantly harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, suspicious activity was detected on my XXXX account linked to my XXXX credit card. I immediately contacted XXXX to report unauthorized use of my card. Unfortunately, XXXX mistakenly identified several legitimate XXXX transactions as fraudulentspecifically payments made to XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I contacted XXXX again and on XX/XX/year>, the bank confirmed that the error had been corrected. They reinstated the valid transactions, reprocessed the payments, and notified XXXX of the corrections on the same date. These transactions now appear correctly on both my XXXX and XXXX account histories. 

However, XXXX subsequently froze the accounts of the three individuals listed above and informed them that they must pay for these transactions again to reinstate access to their accounts. Upon learning this, I contacted XXXX support multiple times beginning in late XXXX. I was advised to upload written correspondence from XXXX confirming that the charges were valid and reinstated, which I promptly did through the secure link XXXX provided. XXXX staff assured me that once the documentation was received, the issue would be resolved. 

Despite this, the accounts remain frozen. On XX/XX/year>, I again contacted XXXX and was informed that my case was under review and awaiting processor response, and that the case had been escalated to an Account Specialist who would contact me within 10 business days. They also informed me that the secure link XXXX previously provided to upload supporting documentation was not accessible. As of XX/XX/XXXX, and now well beyond that 10-business-day window, I have received no follow-up communication from XXXXXXXX XXXX Account Specialist. 

I contacted XXXX again after XX/XX/XXXX to confirm the status of the claim. XXXX reiterated that they had completed all necessary steps and sent the required processor response to XXXX back in XX/XX/year>. This confirms that the delay and ongoing issue are now entirely due to XXXX internal handling. 

Throughout this process, XXXX has provided inconsistent and conflicting information, repeatedly redirected me back to my card issuer ( despite XXXX confirming completion of their part ), and has not honored its stated follow-up timeframe. This has resulted in continued account freezes for the affected users and a lack of accountability or communication from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This company has failed to proper verify a debt over 3 times now. Which is violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint to dispute the following accounts in my credit report file, XXXX XXXX  Account # XXXX Balance : {$8500.00} | Status : Charged Off | Last Activity : XX/XX/XXXX, XXXX account is reporting inaccurate charge-off details. I am disputing the balance and the status as it appears I was actively making payments during part of the period it was reported delinquent. Additionally, there is a discrepancy in reporting dates between different entries for this same account. Please verify the account status, balance, and payment history with the original creditor and update or remove the entry as appropriate. XXXX Account # XXXX : {$9300.00} | Status : Charged Off | Last Activity : XX/XX/XXXX, XXXX am disputing the accuracy of this charge-off account. The payment history contains errors, and the balance being reported does not align with the actual repayment terms. I request verification of the high balance, amount past due, and payment records. If accurate validation can not be provided, please remove this account from my credit report. To whom it may concern, It appears that my credit with you has been compromised. I was going through my records & noticed Charge off accounts which does not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which is found to be opened due to identity theft. The disputed accounts does not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts from my file. If you feel there is a possibility these accounts belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2025-11-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I tried to fill out an FTC form but due to the government shutdown I was not permitted. 
I have contacted each of the credit bureaus and they have have refused to investigate as I have done the research I find that it is very common to ignore my right to dispute. I have mailed via certified mail a copy of an affidavit that I have prepared. These items do not belong to me and I would like them removed. 

I have included a copy of My notarized ID and my Affidavit of truth.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I tried to fill out an FTC form but due to the government shutdown I was not permitted. 
I have contacted each of the credit bureaus and they have have refused to investigate as I have done the research I find that it is very common to ignore my right to dispute. I have mailed via certified mail a copy of an affidavit that I have prepared. These items do not belong to me and I would like them removed. 

I have included a copy of My notarized ID and my Affidavit of truth.

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 2025-11-12 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 filing this complaint against TransUnion, Equifax, and Experian for continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes and supporting evidence, the credit bureaus have failed to correct or remove inaccurate and unverifiable items from my credit reports. 

These bureaus have allowed the reporting of accounts that are inaccurate, fraudulent, and lacking a permissible purpose under 15 USC 1681b. They have also continued reporting information without verifying its accuracy, in violation of 15 USC 1681e ( b ). This ongoing inaccuracy has caused harm to my credit standing and consumer rights.

I have made repeated attempts to resolve this matter directly, but the credit bureaus have failed to conduct proper reinvestigations or provide the documentation required by law. Their continued reporting of disputed and unverifiable items demonstrates willful and negligent noncompliance under 15 USC 1681n and 15 USC 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Account sequium assets i am unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL

Complaint narrative:
What happened : I was misled by a XXXX XXXX salesperson into opening a Synchrony Bank credit card under what they described as an interest-free financing promotion. The salesperson never mentioned that this was actually a deferred-interest program. I was told I would pay no interest if I made my payments on time during the promotional period. 

I made every monthly payment on time and never missed a payment. However, I later discovered that Synchrony Banks minimum monthly payment amount was designed so that the balance would not be fully paid off by the end of the promotional period. Because of that small remaining balance, Synchrony charged me over {$3000.00} in interest, applied retroactively to the entire original purchase amount. 

Why this is unfair or deceptive : XXXX XXXX  salesperson misrepresented the financing as interest-free, not deferred interest.

Synchrony Banks payment structure makes it extremely difficult for an ordinary consumer to pay the balance in full within the promotional period. 
The required payoff amount to avoid deferred interest was never clearly disclosed on my statements or through clear communication. 
The practice appears intentionally misleading and predatory, trapping consumers into unexpected and excessive finance charges. 

Consumer harm : I was charged over {$3000.00} in interest despite having made all payments on time and in good faith. I would not have accepted the financing had the salesperson or the materials clearly disclosed the true nature of the offer. 

Requested resolution : Refund or removal of the $ XXXX deferred interest charge. 
Investigation into Synchrony Banks and XXXX XXXX  joint promotional and disclosure practices.

Enforcement requiring clear, upfront disclosure that the promotion is deferred interest, not interest-free, and that minimum payments will not pay off the balance in time.

Parties involved : Creditor : Synchrony Bank Retailer XXXX XXXX XXXX Amount involved : Approximately {$3000.00} in deferred interest charges

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 2025-11-12 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief