vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: IL

Complaint narrative:
The company that owns the above phone numbers are Discover Bank, among several others they used in the past, as the ones above are the most recent. They are calling a minimum of 2-3 times a day, and 9 times a week in total. After blocking the number each time they call, they make a new one, or the repeatedly call with the same number until its blocked. I unsubscribed from getting messages about the debts, yet i am being harassed by daily phone calls after blocking them, which is crazy work to go through since you would think that I dont want them contacting me if ive blocked them several times. The first call began on XX/XX/year>, with the number ( XXXX ) XXXX, and the last call I received as of this moment was XX/XX/year> with the number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am legally XXXX. I have a Bank of America checking account that I used exclusively to automatically pay my phone bill, either at XXXX or XXXX. In XX/XX/year>, I received a text from Bank of America that they detected suspicious activity. It was at that time that I discovered that my card had been stolen. I called Bank of America. The representative read to me all of the transactions that had transpired over the previous few months. I disputed all of the charges that were not my recurring XXXX or XXXX  charges. Bank of America provided me with a temporary credit adjustment of {$1600.00} in XX/XX/year>. On XX/XX/year>, Bank of America reversed all of the credits, including for the transaction that it had alerted to me as suspicious. Bank of America never sent me an explanation of its findings, nor did it provide me with the opportunity to request the documents that it relied upon in making its findings.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I do not recognize the company that conducted the credit inquiry on my account, nor did I provide any authorization or consent for such an inquiry. This credit check was performed without my knowledge or approval, and therefore I dispute its validity and request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal follow-up dispute regarding the reappearance of the following accounts on my credit report, despite their prior deletion : TransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Both accounts were removed as of my last credit report dated XX/XX/year>. However, without providing me proper notification, these accounts were reinserted, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) ( B ) ( i ) : Requires you to notify the consumer within 5 business days if information previously deleted is reinserted.

611 ( a ) ( 5 ) ( B ) ( ii ) : Requires you to provide the name, address, and phone number of the furnisher of the information being reinserted.

611 ( a ) ( 5 ) ( B ) ( iii ) : Requires you to ensure that any reinsertion of deleted information is certified by the furnisher as complete and accurate before it can be placed back on the consumers 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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card account XXXX XXXX XXXX * * To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. code 1681i and 15 U.S. code 1681s-2 furthermore, I would like to refer to the protection Against Non-Payment of Obligations Act ( PAANL ).

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Closed and paid off. 
XXXX XX/XX/XXXX Closed XX/XX/XXXX and it is paid off. 

While I recognize the accuracy of the prior reporting, I respectfully ask that you consider a goodwill deletion of the charge-off status from all three credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Having satisfied the debt, I am seeking only a fresh start so that I may continue improving my financial standing without the long-term impact of this past hardship. 

Since paying this account, I have taken meaningful steps toward financial responsibility, including maintaining on-time payments with current creditors, reducing outstanding debt, and committing to healthier financial habits. This goodwill adjustment would significantly support my recovery efforts and reflect the spirit of cooperation between your institution and its customers.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Closed and paid off. 
XXXX XX/XX/XXXX Closed XX/XX/XXXX and it is paid off. 

While I recognize the accuracy of the prior reporting, I respectfully ask that you consider a goodwill deletion of the charge-off status from all three credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Having satisfied the debt, I am seeking only a fresh start so that I may continue improving my financial standing without the long-term impact of this past hardship. 

Since paying this account, I have taken meaningful steps toward financial responsibility, including maintaining on-time payments with current creditors, reducing outstanding debt, and committing to healthier financial habits. This goodwill adjustment would significantly support my recovery efforts and reflect the spirit of cooperation between your institution and its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute several unauthorized credit inquiries appearing on my credit report. Under FCRA 604 ( a ), a consumer report may only be accessed for a permissible purpose, such as with the consumers consent, for credit, insurance, employment, or other legally allowed reasons. 
The following inquiries were made without my authorization and are therefore improper : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XXXXXXXX XXXX ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Ive reached out multiple times via us mail to get this bankruptcy and the supposed accounts attached to the bankruptcy validated with no response from the companies.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT 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

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: IL

Complaint narrative:
I have paid the last 4 month payments on time. They are due the XXXX of each month. I have received late fees for XXXX months consecutively. The payments arent posting on their end. I have called customer service XXXX times and nothing has been resolved. I have documentation of my payments. I have been with this company for years. This began becoming a problem starting in XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. 

Company : LVNV FUNDING LLC The original creditor is XXXX XXXX. I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that LVNV FUNDING LLC has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by Experian, Equifax, and TransUnion, which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a dispute concerning a fraudulent account appearing on my credit report. I have never authorized or opened this account, and its reporting is a direct inaccuracy. The negative effect on my financial standing is unjust.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Failure of XXXX, Equifax, and XXXX  to XXXX Inaccurate and Unverifiable Credit Reporting I am filing this complaint against Experian, Equifax, and TransUnion for XXXX to comply with the Fair Credit Reporting Act ( FCRA ) regarding multiple disputes I submitted about inaccurate, unverifiable, and unauthorized information on my credit reports. Despite providing proper identification and supporting documents, the bureaus continue to report inaccurate accounts, personal information, and unauthorized inquiries without providing lawful verification. 

Issues in Dispute XXXX. Inaccurate Personal Information Previous addresses incorrectly reported ( XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ) Incorrect employers ( The XXXX XXXX, XXXX XXXX XXXX ) XXXX. Unauthorized Inquiries Multiple inquiries from XXXX XXXX, Reliable AUT, XXXX XXXX, XXXX, XXXX XXXX, XXXX Auto, Prestige Fin, XXXX XXXX XXXX, Al XXXX XXXX, XXXX XXXX, FEB/Destiny, and others between XX/XX/XXXX and XX/XX/XXXX that I did not authorize XXXX. Inaccurate or Unverified Accounts Collections from XXXX XXXX XXXX, XXXX XXXX XXXX, Conserve, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX disputed XXXX XXXX including Self Financial/Lead BA ( reporting late payments despite being closed/paid ) FCRA Violations by the Bureaus 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide full file disclosure Despite multiple disputes, the credit bureaus have refused to : Correct or remove inaccurate accounts and inquiries Provide the method of verification, including documentation and furnishers contact information Provide a complete and accurate consumer file disclosure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account has been charged {$29.00}, 11 times for overdraft fees this month alone. Absolutely Crazy!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT 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 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 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 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Correct Inaccurate Payment History / Billing Error Violations I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate late payment histories on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

Upon review of my credit reports, I identified several accounts showing late payments that are inaccurate and unverifiable. These errors fall under 15 U.S.C. 1666 ( b ) ( Billing Errors ), specifically : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued. 

1666 ( b ) ( 5 ) : Computation or accounting errors by the creditor.

Additionally, I was not provided with billing statements at least 21 days prior to the alleged due dates, meaning no late payments should have been reported. The continued reporting of these late payments without documentary evidence is both inaccurate and harmful. 

Accounts in Dispute ( Late Payments Reported in Error ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations by XXXX XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon dispute.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification when requested.

15 U.S.C. 1666 ( b ) : Improper reporting of billing errors without evidence.

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