vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-05-19 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: MS

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
XX/XX/year> I opened a Bank Of America Credit card. I never used the card. I never got any email, text, or phone call about a balance transfer from thus new credit card to a bank account. I went to XXXX XX/XX/year>. I never used nor checked the card untill XX/XX/XXXX, when i checked the balance. Then I reported the fraud charge to BOA. They denied the fraud claim stating " It went to a XXXX XXXX XXXX account associated with my name '' I asked for proof. They sent a standard vague document stating my claim was denied because : " We confirmed that the charge on your card either covered an overdraft on your linked deposit account as part of your Balance Connect for overdraft protection or was a balance transfer that went directly into an account in your name. '' - but there is nothing showing it went to my account. When I called, many times, No one can see or tell me the account number it went to. One time BOA did ask all my XXXX XXXX account numbers. None of them matched the account number it went to. 
I also am having to pay late fees in order to view my BOA account info, Like trying to see the transaction of the balance transfer date or any info about it. Nothing indicated the account number it went to. I did not do this credit card {$3000.00} balance transfer, nor did i approve it, nor was I notified of this happening, nor did I receive it to my accounts. I have never used this card. I can not get resolution to this Fraud charge of balance thransfer and BOA wont give me proof that it was or was not transfered to an account in my name! I keep having tp pay late fees and interest charges. But also will affect my credit score. Ultimately I will XXXX XXXX XXXX XXXX XXXX  America from XXXX, file a small claims court, OR I have to pay the Fraud {$3000.00} - because BOA wont show me prof that " It went to an account associated with my name '' that they claim happened. 
Please help.

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 2025-05-19 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
In XX/XX/year>2025, I accidentally made a double payment to my credit card account. The total amount paid was over {$16000.00}. Once I noticed the error, I immediately contacted your customer service department to report the issue. 

Bank of America acknowledged that a double payment was made and admitted that a previous representative had mishandled my initial claim. Since then, more than two months have passed, and I still have not received a refund. Instead, the bank has been deducting charges from the overpaid balance, even though I have stopped using the credit card. 

The current amount that is owed to me is {$7600.00}. 

I have called customer service several times, and each time I am given a new excuse or asked to wait longer. Today, I was told that the refund would take an additional 20 business days, which is unacceptable given the delay so far.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
On XX/XX/2025, I reviewed my credit report and identified multiple accounts that were inaccurately reported, unverifiable, or outdated. These include collections from XXXX XXXX XXXX and XXXX XXXX, and charged-off or inaccurately reported accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and others. 
I submitted a detailed dispute letter to Experian requesting reinvestigation of these items under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681e ( b ) ). I also requested deletion of unverifiable items and corrections to personal information ( name, address, employer ).

A PDF copy of the letter is attached for reference.

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 2025-05-19 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and police report that I can provide to support this. Please see attached the documents. I disputed these fraudulent collections with the credit bureaus. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. EQUIFAX  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 has violated my rights. EXPERIAN 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 has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. EQUIFAX  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 has violated my rights. EXPERIAN 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 has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 writing to formally dispute two derogatory entries listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These accounts are negatively affecting my credit profile and I am requesting a full reinvestigation into their reporting accuracy, completeness, and verifiability. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Current Status : Charge Off o Balance Owed : {$580.00} o Issue : FCRA Violation Unverified and potentially inaccurate charge-off o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1200.00} o Status : Late Payment o Issue : FCRA Violation Late payment possibly inaccurately reported o Action Requested : Verify and delete if documentation is lacking Per FCRA 611 ( a ), I am exercising my right to dispute any information I believe is inaccurate or can not be fully verified. You are required to : Contact the data furnisher ( s ) Verify the accuracy using original documentation Complete the reinvestigation within 30 days Remove any information that can not be verified or is found to be inaccurate Additionally, per FCRA 607 ( b ), all information reported must be as accurate and up to date as possible. Continued reporting of unverifiable derogatory data may also violate FCRA XXXX ( a ) ( XXXX ) ( A ). 
As someone who is actively working to improve my financial health after a difficult period, I kindly ask that my situation be reviewed with compassion and fairness. Like many Americans, Ive faced financial challenges during uncertain times, but Ive made consistent efforts to get back on track. 
The continued reporting of a potentially inaccurate charge-off and late payment only makes that path more difficult. I am not seeking to avoid my obligationsonly to ensure that what is being reported reflects the truth and complies with federal law. 
1. Conduct a full reinvestigation of the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX entries. 
2. Provide documentation verifying the accuracy of the negative information.

3. If the items are unverifiable, delete them from my credit report immediately.

4. Notify me in writing of the investigation results within the 30-day period.

Thank you for your attention to this matter. I trust that your bureau will handle this dispute with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an email on XXXX  XXXX, XXXX  from XXXX XXXX and my identity protection service that someone made a hard inquiry on my credit report. When I did the research it was a dealership in XXXX. I attempted to call them that day but they were closed. 

The next morning ( XXXX  XX/XX/year> ) I called to dealership to discuss. When I talked to the finance manger she did tell me that something appeared off about the request that the person attempting to buy a car in XXXX  when they were plenty in XXXX. The finance manger at the dealership told me they requested an ID to continue with the purchase and when they received the copy of the ID it also looked off. She then thanked me for calling to straighten out the issue and I thanked her for her due diligence on not selling the car. 

After I was off the phone I then called all three credit services and put a credit freeze on my account. I also talked to the equifax people to let them know that I had an identify theft issue. 

On XXXX  XX/XX/year> I received a call from the identity protection service about the credit inquiry and they would follow up the week of XX/XX/year> to continue to gather information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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