vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Accounts involved : Bank of America credit-card accounts ending XXXX, XXXX, XXXX Issue : Refusal to re-age accounts and correct delinquency reporting after XXXX XXXX XXXX XXXX ) compliance. 

I enrolled all three cards in a XXXX with XXXX XXXX on XX/XX/XXXX ( see attached participation letter ). 
I have made three consecutive on-time XXXX  payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipts attached ). 
Under XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  Classification and Account Management Policy, an open-end account on a XXXX may be re-aged to current/0 days past due after three such payments. 
Multiple Bank of America representatives ( calls on XX/XX/XXXX and XX/XX/XXXX ) told me the only way to bring the accounts current is to pay the full past-due balance, and they refused to re-age or remove the pre-XXXX  late marks.

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 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We bought a property XX/XX/XXXX. Shellpoint purchased our mortgage XX/XX/XXXX. They first had my husbands name wrong ; I got that corrected. Then, they paid out property taxes in XXXX. The problem is, so did we. I immediately responded to them when they then added escrow to our mortgage. We are a non-escrow contract. They said they would investigate and get back to me. XX/XX/XXXX, they sent a letter claiming they had paid my property insurance, well so did I. Once again, I called them. ( 11 times now ). They said they would investigate and get back to me. I have provided them a receipt from my property tax payment, a receipt from my insurance payment and a copy of my closing statement. They are refusing to follow my contract ; no escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NM

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry currently reported on my credit report. This late payment does not accurately reflect my payment history, as I have consistently paid on time. I kindly request a thorough review and correction of this error to ensure my credit report accurately represents my payment record.

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I am writing to formally complain about the unlawful and harassing actions taken by Resurgence Legal Group , PC, in connection with a debt collection attempt for an alleged debt from XXXX. These actions include invasive surveillance of my home, improper inclusion of my wife in an affidavit for a debt she is not liable for, and the wrongful freezing of our joint bank account. These actions violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 et seq. ), and other applicable laws. Below is a detailed account of the issues and my demands for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One charge me a late fee on my XXXX card of {$40.00}. The payment was processed on XXXX. They claimed the payment was cancelled the previous month on XX/XX/XXXX. All of my bills are on auto pay. I never cancel in payments. They couldnt explain how the payment was cancelled when I didnt cancel the payment. They continuously lie and say they cant see, etc. But that is a lie. Not to mention, The latest fee increased from the previous month. Their excise was they gave me a waiver the month before. You gave me a waiver for my mistake. But this canceled payment or whatever was not done by me. And I am owed that fee to be credited. 

They claim they cant get a manager on the phone that theyre the highest point of contact. You cant get assistance on the corporate level neither. Everyone acts XXXX. XXXX ( manager ) and ( XXXX ) act as though theres nothing can be done. 

Not only that, Im owed about another $ XXXX on my personal checking for a dispute thats still pending. 

That XXXX  card is the only card I have a problem with. I dont understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S. Code 1601 To Whom It May Concern, I am writing to dispute the inaccurate and damaging account information listed on my credit report related to BANK OF AMERICA account # XXXX  Under 15 U.S. Code 1601, the Truth in Lending Act ( TILA ) was established to ensure the informed use of credit through meaningful disclosure of terms and fair billing practices. This account was reportedly closed at the creditors request and marked as a charge-off with a past due balance of {$9.00}. I am challenging the accuracy and completeness of this information for the following reasons : The creditor failed to properly notify me in accordance with TILA about changes, delinquencies, or my right to dispute the charges before reporting the account negatively. 
The reporting of a charge-off and past due status simultaneously is misleading and may constitute double jeopardy in reporting.

The balance, charge-off status, and dates listed are inconsistent with accurate account records and proper compliance with disclosure and notification procedures outlined in TILA.

Therefore, I am demanding an immediate deletion of this account from my credit report due to its violation of my rights under federal law and its failure to reflect accurate and verifiable reporting standards. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove any unverifiable or inaccurate information. If this account can not be fully validated with full documentation within 30 days, it must be removed immediately. 

Please provide me with a written response confirming the deletion or correction of this account, along with an updated copy of my credit 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 2025-07-08 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report XXXX formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-08 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: TX

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report XXXX formal dispute letter, and government-issued ID, SSN, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I found a fraudulent account on my credit report that I did not authorize, open, or use. 
The account is : JPMCB CARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Comments : Payment after charge-off/collection, canceled by credit grantor. 

This account was opened without my knowledge or consent. I have already filed an FTC Identity Theft Report confirming this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: ND

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am filing a formal complaint and Notice of intent to Arbitrate against Experian for their failure to actually do any investigation, violating my right to 100 % accurate reporting, they have allowed the following items to be reported without my written consent, reported items without verification. 
Name of Account Account Number # Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Despite submitting a formal dispute to the credit bureau and creditor, this fraudulent account has not been permanently removed. Under 15 U.S. Code 1681i, the credit bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their credit report. 

Given that this account was opened using information likely exposed in the Equifax data breach, I request the immediate and permanent deletion of the fraudulent account from all credit reporting agencies. I am also requesting that the original creditor conduct a full fraud investigation in accordance with 15 U.S.C. 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems ( original creditor : XXXX XXXX ) on my XXXX  credit report. 

The account states I have paid {$0.00} toward the balance, but I have made multiple payments to XXXX XXXX before this debt was sold. I have documentation and email confirmations showing these payments. 

I previously disputed this with XXXX, but they verified the inaccurate data and refused to correct it. 

I am requesting a full reinvestigation. If Jefferson Capital can not properly validate and update the payment history, I am asking for the account to be corrected or deleted under the Fair Credit Reporting Act ( FCRA ). 

This incorrect information is severely impacting my XXXX  score and ability to obtain a fair auto loan.

Company response to consumer: Closed with explanation