vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding its handling of a dispute I filed. The details are as follows : 1. Background of the Dispute : I purchased an item from an online merchant, XXXX, under the understanding that returns would be free, in accordance with their stated policy. 
Upon returning the item, I was charged a {$9.00} return fee despite the merchants terms indicating that returns should be free of charge. 
2. Dispute with Bank of America : I opened a dispute with Bank of America, expecting them to review the documentation I provided ( showing that the merchants service terms included free returns ). 
Bank of America eventually notified me that my dispute was denied. However, after denying my dispute, they did not return the disputed amount to XXXX either. 
This lack of action raises the concern that there has been double charging or misappropriation of the funds. Specifically, I am worried Bank of America may be retaining the disputed amount without returning it to either party. 
3. Issues and Concerns : Failure to Honor Merchants Return Policy : The {$9.00} fee contradicts the merchants policy of free returns. 
Improper Dispute Resolution : Bank of America has not clearly explained why my dispute was denied, nor provided evidence supporting their decision. 
Potential Double Charging or Misappropriation : After the dispute was denied, the disputed amount was not credited back to XXXX or to my account, leading to confusion over where these funds currently reside. 
4. Resolution Sought : Full Explanation of the Dispute Decision : I request a thorough explanation from Bank of America detailing why the dispute was denied and what specific evidence was used to reach that conclusion. 
Refund or Proper Allocation of Funds : I seek either a refund of the improperly charged {$9.00} or clear confirmation that the funds have been returned to the merchant if that is the proper course of action. 
Compliance with Consumer Protection Regulations : I expect Bank of America to comply with all relevant consumer protection laws and regulations, ensuring that my rights as a customer are respected. 

I am submitting this complaint because I believe Bank of America has not adhered to the standards expected of financial institutions when handling consumer disputes. Their lack of transparency and failure to properly address the return policy violation is causing financial and emotional distress. 

Thank you for your time and assistance in reviewing this matter. I am available to provide any additional documentation or information you may need. I appreciate your prompt attention to this issue. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Theres fraudulent inaccurate information reporting on my credit reports The listed information is not accurate and its hurting me which is a violation of my rights. 
Bankruptcy XXXX {$11000.00} XXXX {$4900.00} XXXX {$4900.00} XXXX {$2400.00} XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Department of education XXXX all accounts All addresses except the ones in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MN

Complaint narrative:
Subject : Complaint Against Experian for Inaccurate Debt Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for reporting an alleged debt from XXXXXXXX XXXX XXXX a third-party creditor, without proper validation. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, Experian is required to ensure the accuracy of information reported. XXXX XXXX XXXX has failed to provide verification of the debt, including a copy of the original contract bearing my signature, as required under 15 U.S. Code 1692g. 

Despite my disputes, Experian continues to report this unverified debt, violating my consumer rights. Furthermore, given the recent lawsuit against Experian for similar violations, I request an immediate investigation and removal of this inaccurate information. 

Please take action to enforce compliance and correct my credit report. 

Sincerely, 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 2025-04-02 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: MN

Complaint narrative:
Subject : Complaint Against Experian for Inaccurate Debt Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for reporting an alleged debt from XXXXXXXX XXXX XXXX a third-party creditor, without proper validation. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, Experian is required to ensure the accuracy of information reported. XXXX XXXX XXXX has failed to provide verification of the debt, including a copy of the original contract bearing my signature, as required under 15 U.S. Code 1692g. 

Despite my disputes, Experian continues to report this unverified debt, violating my consumer rights. Furthermore, given the recent lawsuit against Experian for similar violations, I request an immediate investigation and removal of this inaccurate information. 

Please take action to enforce compliance and correct my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I looked at my XXXX Equifax XXXX 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 2025-04-02 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems regarding my former lease at XXXX XXXX XXXX. I was charged twice for the same damages on XXXX consecutive daysXXXX and XXXX XXXX ( {$100.00} ), XXXXXXXX XXXX ( {$350.00} ), and XXXX XXXX  ( {$850.00} ). These charges are clearly duplicated. 

Additionally, my lease agreement states my security deposit was {$1500.00}, but only {$1100.00} was credited. I was never provided with an itemized breakdown of the deductions, nor was I notified before this debt was sent to collections, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Virginia landlord-tenant law ( XXXX ). 

I disputed this account with the credit bureaus and provided documentation, but the collection was verified without addressing these issues. I am requesting that CFPB review this matter, as the reported debt is inaccurate, improperly validated, and causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Company has listed debt owe by different amount ..different companies they obtain accounts from incorrect amounts and incorrect company information does not match with each credit bureaus each credit company have wrong information per XXXX XXXX original contract is error and amounts owe is a errorby law I did not sign any thing nor give permission to obtain my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-02 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: NJ

Complaint narrative:
TransUnion is wrecking my credit report ( dated XX/XX/XXXX ) with XXXX fraudulent open accounts and XXXX collectionsXXXX XXXX XXXX ( " Open, {$19000.00} balance, XXXX late payments, {$340.00} past due, '' updated XX/XX/year> ), XXXX XXXX ( " Open, {$0.00} balance, XXXX late payments, '' updated XX/XX/year> ), and XXXX collections totaling {$3000.00} ( XXXX {$370.00}, XXXXXXXX XXXX {$2700.00} ). These derogatory marks are annihilating my FICO Score XXXX ( XXXX ), with TransUnion citing " collection and/or XXXX '' ( XXXX collections ), " few accounts paid on time '' ( only XXXX account paid as agreed ), " recent missed payment '' ( XXXX months ago ), and " loan balances '' ( 25 % paid down on non-mortgage installment loans ), despite no public records or inquiries. The credit reporting industry has a documented history of noncomplianceEquifax was fined {$15.00} XXXX by the CFPB in XX/XX/year> for conducting sham investigations under FCRA ( 15 USC 1681i ), ignoring consumer evidence, allowing inaccuracies to reappear, and using flawed software that led to inaccurate credit scores, a pattern TransUnion likely follows. These accounts and collections are unverifiable : XXXX XXXX XXXX lacks XXXX XXXX payment history ( Field XXXX, bytes XXXX ) to justify " XXXX late payments '' and past due amount ( Field XXXX, bytes XXXX ) for " {$340.00} past due '' ; XXXX XXXX lacks payment history XXXX Field XXXX, bytes XXXX ) for " XXXX late payments '' ; and the XXXX collections lack status codes ( Field XXXX, bytes XXXX ) and date of first delinquency ( Field XXXX, bytes XXXX ). TransUnion is violating FCRA ( 15 USC 1681i ) and XXXX XXXX sue under 15 USC 1681n and hit the furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 1681s-2 ( b ) if this isnt fixed immediately.

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 2025-04-02 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1400.00}, XXXX XX/XX/scrub>XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a closed installment loan account with XXXX is continuing to report inaccurately and negatively on my credit file. 

As of XX/XX/year>, the account reflects a {$0.00} balance and is marked as closed, yet it is still being reported as In Collections and Derogatory. It is also listed as Purchased by another lender, but no other company has reached out with proper validation, and no new owner is actively furnishing data. 

Under the Fair Credit Reporting Act ( FCRA ), all credit report entries must be 100 % accurate, complete, and verifiable. In this case, the information being reported is misleading and potentially damaging to my credit profile. It is unclear who currently owns this account, and there has been no validation or contact regarding its legal standing or reporting authority. 

I am requesting that the CFPB investigate this matter. If XXXX no longer owns the account and can not validate its continued reporting, the account should be corrected or removed from my credit report entirely.

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 2025-04-02 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: TX

Complaint narrative:
I am submitting this complaint because a closed installment loan account with XXXX is continuing to report inaccurately and negatively on my credit file. 

As of XX/XX/year>, the account reflects a {$0.00} balance and is marked as closed, yet it is still being reported as In Collections and Derogatory. It is also listed as Purchased by another lender, but no other company has reached out with proper validation, and no new owner is actively furnishing data. 

Under the Fair Credit Reporting Act ( FCRA ), all credit report entries must be 100 % accurate, complete, and verifiable. In this case, the information being reported is misleading and potentially damaging to my credit profile. It is unclear who currently owns this account, and there has been no validation or contact regarding its legal standing or reporting authority. 

I am requesting that the CFPB investigate this matter. If XXXX no longer owns the account and can not validate its continued reporting, the account should be corrected or removed from my credit report entirely.

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