vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My ex boyfriend XXXX XXXX STOLE my phone and XXXX his SISTER XXXX XXXX {$6900.00}. After providing proof from XXXX, XXXX and a POLICE REPORT Bank of America denied my claim saying it was done on the same device. DUH because the phone was stolen he stole my phone for that sole purpose I even have text messages of him admitting to doing this and begging me not to go to the police which I provided to the police and to Bank of America yet they still denied my claim. They told me to get reports from XXXX and XXXX and wanted proof that I had to buy a new phone which I sent all of them!!!! Its harassment at this point over my own money!!!! When they originally filed my claim they missed an entire {$1000.00} fraudulent claim like this bank is a mess!!! So unprofessional!!!! And clearly doesnt investigate their fraud well if they missed an entire {$1000.00}!!!! I am a single mother with a XXXX XXXX XXXX son and a baby on the way. I am XXXX  months XXXX and this entire situation has done nothing but cause me severe stress to my unborn and put me in a financial jam! They stole all of the money out of my account and left me with no money!!! I was unable to pay rent I still am unable to pay it and my credit cards closed because they were maxed out!!! This is horrible!!! I DID NOT approve those transactions. I DID NOT give anyone permission to use my stuff, send money or give anyone my passwords!!!! I cant believe my own bank is doing this to me! They even denied me a provisional credit! Its the holidays and now I cant even get my son anything for XXXX because my account was fraudulently drained to nothing!!!!!! How do I explain this to my innocent child?! As a bank, Bank of America should have denied that transaction and never let it go through!!! I have been banking with them for almost 3 years and have never sent that large amount of money to anyone EVER!!! And I NEVER sent money to XXXX XXXX before so they should have caught that and flagged it for fraud and not let that transaction go through!!!! I want my money back ASAP!!!!!!! XXXXXXXX XXXX the bank who XXXX XXXX ( who the XXXX payment was sent to ) has an open fraud case against her with her own bank! This is insane yall let scammers scam me and not try to help give me my money back!!!

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 2025-12-09 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: NM

Complaint narrative:
The status shown does not match documented payments.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: NC

Complaint narrative:
I am filing an official complaint against KOVO INC for inaccurately and unlawfully reporting late payments on my consumer credit report. These negative marks violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 USC 1666b, because KOVO INC has failed to properly credit my payments, verify the accuracy of any alleged delinquency, or maintain accurate account records.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - LEGAL VIOLATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Violation of 15 USC 1666b Untimely/Improper Posting of Payments Under federal law, payments must be credited as of the date they are received.

KOVO INC has reported late payments even though : Payments were sent or transmitted on time Posting delays were caused by the furnishers internal system Billing statements and payment credits do not match the reported delinquency Proper payment posting documentation has not been provided Any late payment reported without proper posting evidence violates 15 USC 1666b.

Violation of FCRA 1681s-2 ( a ) Duty to Report Accurate Information KOVO INC is reporting information about my account that is : Inaccurate Unverifiable Not supported by original records Reported with inconsistent dates Conflicting with my own payment confirmations Furnishers may NOT report information they know or should know is inaccurate.

Violation of FCRA 1681i Failure to Conduct Proper Reinvestigation After Dispute After I disputed the account with the credit bureaus, KOVO INC : Did not perform a reasonable or lawful reinvestigation Did not provide any documentation supporting the alleged late payments Did not supply internal ledger notes, posting timestamps, or payment history Simply verified electronically without proof ( parroting ), which is illegal under 1681i Under 1681i, any item that can not be fully verified must be DELETED.

Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy KOVO INC is required to maintain maximum possible accuracy in all furnished information.

Continuing to report : Incorrect dates Missing records Unverified late payments Entries inconsistent with account history is a direct violation of 1681e ( b ).

Violation of FCRA 1681s-2 ( b ) Failure to Correct or Delete After Notice of Dispute Once notified by the credit bureaus, KOVO INC was required to : Investigate my dispute Review all relevant evidence Correct inaccuracies Delete anything it can not prove They did not comply.

HARM CAUSED KOVO INCs inaccurate reporting has : Lowered my credit score Damaged my ability to obtain credit Resulted in financial losses and denials Caused unjust harm due to non-compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX 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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history. 

Inaccurate reporting not only violates my rights under federal law but also inflicts unnecessary and unwarranted harm to my creditworthiness. I have consistently fulfilled my financial obligations responsibly, and any discrepancies on my report are the result of reporting errors or misunderstandings that must be corrected without further delay.

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 2025-12-09 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: GA

Complaint narrative:
I am disputing the following items on my credit report. The information provided below is separated by bureau, as required : CHARGED OFF XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$680.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$880.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$300.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XX/XX/XXXX, {$0.00} LATE PAYMENT XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-12-09 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I notified PayPal they were listed as a payment method on a fraudulent website by filing a claim ( case ID XXXX ). This website, www.hellonancys.com is a scam site based in XXXX pretending to be the XXXX trademarked brand XXXX ( notice the URL spelling difference by one letter ). I have attached a email from the real company also calling this a fraudulent site. The item never came and the tracking number provided was fake. PayPal notified the seller the same day of my claim ( XX/XX/XXXX ). The seller provided a new tracking number and shipped a completely fake item ( I have photos ). PayPals online claim form said there would be a resolution by XXXX. When I checked on XXXX, it has changed the resolution date to XXXX. When I checked today ( XXXX ), it had been changed again to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
These accounts are not connected to me and must be erased within 15 days according to USC 1681g.

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 2025-12-09 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: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 non-monetary relief
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
Ive disputed these collection accounts several times and asked the company to send me proper validation. I never received any of the documents I requestedno signed contract, no agreement with my signature, no proof of the amount they claim I owe, and no real verification at all. While I was disputing everything, I also asked them to stop contacting me, and they continued to reach out anyway. That goes against FDCPA 805 ( c, which clearly says theyre supposed to stop communication once requested. So at this point, Ive done everything on my end, but the company hasnt provided anything to support what theyre reporting. They didnt validate the debt, they didnt respect my request for no contact, and they didnt show any sign of doing a proper investigation. Yet the account is still sitting on my credit report.

Company response to consumer: Closed with explanation