vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX. I have verified that I have XXXX credit card balances that I do not recognize. XXXX is a credit card opened on XX/XX/2014, with a balance of {$12000.00} with a monthly payment of {$300.00} to a company in XXXX XXXXXXXX XXXX XXXXXXXX with a phone number of XXXX. 

XXXX. The other credit card opened on XXXX XXXX with a balance of {$12000.00} with a monthly payment of {$340.00} to a company in XXXX XXXXXXXX XXXX XXXX with a phone number of XXXX. 

Both of credit card is unknown and it was not show in my bank of America back office. Even banker couldn't find there XXXX balance and transection. 
So, my credit score from about XXXX to below XXXX from tree the credit bureau. It was big impact of my credit score low. 
Please clear there XXXX out and recover my credit score for me. 
Thank you so much for your 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 non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 Experian and Equifax has neither corrected 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 Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 Experian and Equifax has neither corrected 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 Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXXXXXX XXXX XXXX ] XXXX which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complete name and address of the original creditor. 
XXXX. * * Verification of the Debt : * * A full accounting of the debt amount, including itemized charges. 
XXXX. * * Proof of Your Authority : * * Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports. 

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus. 

I expect a thorough investigation and a full response within the XXXX period as specified by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
The denial of my claim is based on the presence of SMS XXXX prompts, but this overlooks critical context and fails to meet the investigatory standard required under Regulation XXXX. 

First, SMS-based XXXX alone is not a conclusive form of customer authorization especially when theres a clear pattern of suspicious activity. These texts were delivered at times when I XXXX not have had full access to my device or reliable connectivity ( e.g., limited XXXX XXXX notifications, potential device compromise ). The bank can not reasonably rely on a YES/NO text reply system when the dollar amounts involved were highly unusual for my account, the merchant was a high-risk category ( online gambling ), and the activity followed large crypto-related deposits.

SoFis own records show that one transaction was flagged as suspected fraud and denied confirming their internal system had enough data to trigger a review. But instead of escalating or requiring a secure phone call ( which Ive been asked to do for smaller, routine transactions in the past ), the bank allowed over {$4000.00} in transactions to go through with no further check. That inconsistency undermines any claim that this was handled with due diligence. 

The pattern large deposits from XXXX followed by rapid high-dollar gambling charges mirrors known fraud tactics. And yet XXXX chose not to take precautionary action beyond a vulnerable SMS prompt, which can be easily compromised when a device is lost, accessed by another person, or left unlocked. 

Finally, XXXX has not presented affirmative proof that I, personally, authorized these transactions. Under Regulation XXXX, unless there is verified, secure evidence of my consent ( e.g., full-device login at the time of charge, IP/location match, secure in-app biometric verification ), the presumption should be in favor of the consumer especially when a claim is filed promptly and in good faith. 

I respectfully request immediate reimbursement of the {$4200.00} in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My account was closed on XX/XX/year>, despite the fact I have never been late on payments and indeed paid the full balance every month. I have also maintained a credit rating well over XXXX. I was not notified by phone, email or text. Instead, I was sent a letter informing me my account was closed which did not arrive until XXXX. As a result, I had multiple transactions that were refused due to a closed account which I was not aware had been closed. The letter I received said my account was closed and gave no reason for the closure. It also said I had 90 days to claim any earned rewards. I immediately paid off the current balance and went to the website to claim rewards earned. I did not have the option to request a check, so the rewards were issue as a credit. I called the credit card company ( BMO Bank ) and was told it would be 4 months before a check would be issued. I was given no reason for the account closure and no reason why it would take XXXX  days to send a check. I will never do any kind of business with BMO again and will discourage friends and family from doing business with BMO as it clear they do not value even excellent 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 explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
XXXX hard inquires on my Equifax Report that I did not authorize : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX I contacted XXXX XXXX ( XXXX ). They told me to call Equifax. 
I contacted Equifax. ( XXXX ). They indicated I had to file a complaint with you. 

I do not have a XXXX XXXX Credit card and do not want XXXX. The XXXX hard inquires lowered my credit score from XXXX to XXXX. I would appreciate your help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NM

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
In XX/XX/XXXX, I disputed a Titanium Fund account through the XXXX XXXX dispute center, which submitted it to TransUnion. I clearly explained in the dispute that the account was being paid through XXXX wage garnishment per a court judgment and should no longer reflect as charged-off or delinquent. 
TransUnion marked the dispute as approved and stated that the information had been updated. However, the account continues to show a high balance and late payments as recently as XXXX, even though the account was closed in XXXX and satisfied through garnishment in XX/XX/XXXX. 
The reporting is materially inaccurate. It falsely extends delinquencies years beyond the accounts closure and does not reflect that the balance was satisfied through legal garnishment. This inaccurate information has directly damaged me. I was denied credit offers, including payday loans, and was forced into a high-interest auto loan with a $ 590 monthly payment due to my credit being misrepresented. 
I am requesting that TransUnion either delete this tradeline entirely or correct it to reflect a {$0.00} balance, paid/satisfied status, and no delinquent reporting after the account closure date in XXXX. If they fail to correct it, I will pursue legal remedies under FCRA 611 and 616.

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 2025-04-29 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: PA

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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.

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 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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> 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 2025-04-29 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 am writing to formally dispute fraudulent inquiries on my credit report that I believe are the result of identity theft. In accordance with 15 U.S.C. 1681c-2, I am requesting that these items be blocked immediately from my credit file. 
Enclosed you will find a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim. As stated under 15 U.S.C. 1681c-2, once a valid identity theft report is submitted, credit reporting agencies are required to block the identified information within four ( 4 ) business days.

I have contacted the Federal Trade Commission and filed an official identity theft complaint, which is also included in this packet. The inquiries listed below are fraudulent and do not involve any authorized action on my part.

All necessary documentation has been included in this package and has also been sent via Certified Mail to your offices for verification. 
I am requesting the immediate removal of the following unauthorized hard inquiries from my credit report : Fraudulent Hard Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As these inquiries were XXXX without my consent and in connection to identity theft, I respectfully demand they be removed without delay as required by law. 
Thank you for your attention to this urgent matter. Please confirm receipt of this dispute and provide written confirmation once the block has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

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 2025-04-29 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: CA

Complaint narrative:
Experian is reporting a charge-off for XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX in the amount of {$520.00}. Upon reviewing my credit history, I can confirm that I have no record of any outstanding balance with this company that would justify such an entry. Additionally, I have not received any official communication from XXXX XXXX XXXX XXXX or Experian regarding this charge-off. It is highly probable that this entry is the result of inaccurate data transmission, possibly stemming from a data breach or systemic errors in how information was reported. Data breaches are becoming increasingly common, and it's plausible that this information was transmitted incorrectly or erroneously aggregated due to such an event. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), Experian has a legal obligation to ensure the information they report is accurate and complete. The inclusion of an unverifiable charge-off significantly harms my credit report and may be preventing me from obtaining fair credit terms.

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