vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My cashier 's check ( amount {$49000.00} ) was deposited to Bank of America XXXX XXXX XXXX on XX/XX/year>. Teller specified that funds will be available next day. 

I received a notice on XX/XX/year> that Bank of America has " placed a hold on your deposit because we have information indicating the check ( s ) may be returned ''. 

After repeated contact with Bank of America and its deposit verification department, no one explained what information is indicating the check may be returned. The issuing bank also confirmed with Bank of America 's manager that the cashier 's check is legitimate. Further, the ineffective deposit verification team, including XXXX and XXXX, have not been informative nor helpful, and did not provide any service to clarify the reason Bank of America is holding the cash hostage. 

According to XXXX XXXX XXXX XXXX XXXX XXXX, cashier 's check are considered checks that pose little risk and should be available next day ( in this case the cash from my cashier 's check should have been available to me on XX/XX/year> ). However, I still do not have the funds available as of today XX/XX/year> ). Although Bank of America 's XXXX XXXX XXXX XXXX district manager has been following up with updates, no resolution is apparent. The banker from the issuing bank, XXXX XXXX, spoke with the branch district manager on XX/XX/year> to confirm legitimacy of my cashier 's check. However, I still do not have the the cash available. The deposited amount was to be immediately placed in a 4.5 % CD in a different financial institution, which I have not been able to do so. The delayed availability of funds from Bank of America is now resulting in over {$45.00} interest income lost. No one has mentioned any kind of compensation to me for this unresolved issue. 

If no compensation is to be made to me, then Bank of America seems to be extending fund available dates and absorbing all the interest income for itself, which is a scam.

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 2025-04-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXK # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
Nothing has happen they keep saying it verified with no proof nor have I received anything from Equifax. I have been disputing this item on my credit report for the last 6 months and they refuse to remove this fraudulent account of my credit report. 

XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX open account XXXXXXXX XXXX XXXX Equifax Credit Report XXXX Account #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing out of pure frustration. My report includes information thats just wrong, and its damaging my score in a way thats affecting my everyday life. Im being denied things I should qualify for, and its all because of mistakes I didnt make.

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

Complaint narrative:
We have autopay set up for our mortgage payment. On XX/XX/XXXX we received a payment confirmation from our mortgage co. XXXX  via text message as we do every other month when our payment is made. We never heard anything else, we didn't get any calls, letters, text messages etc. until XX/XX/XXXX when our credit monitoring service alerted us of a " delinquency ''. We thought it must be a mistake, upon looking into it we found that our deposit from one bank to our " bill pay '' account hit the same day & for some reason the payment was rejected. Neither our bank nor XXXX alerted us. At that point we immediately made the payment. Incidentally we had even made an extra principal payment of $ XXXX the month prior & XXXX to principal before that. I reached out to the loan servicing dept. at XXXX & they refused to accept any responsibility for the miscommunication on their end. The result of this late caused my credit score to drop by XXXX points! The said they called us and when I asked who they called they showed a # that neither my husband or I recognized. It was the company that his employment is contracted through, he has never stepped foot in that office. They had both of our cell phone numbers, they sent us both a payment confirmation on those numbers. I believe that if our payment was delinquent they would have been calling our cell phones to reach us. Thank you for your 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one agreed to settle a account with me for XXXX and sent me a letter confirming the account was settled and I no longer was obligated but if I wanted to have the account deleted from my credit I will have to submit a dispute to all three credit bureau because they do not delete settled paid as agreed accounts. Therefore I submitted a dispute to all three credit bureau and all three stated Capital one is stating the account is delinquent but paid as agreed less than amount. Capital one accepted a settlement of XXXX for a XXXX credit limit. And now refusing to release me from the debt, New creditors are being advised the account is delinquent. I have another card with Capital one that is paid in full, I received a report from the credit bureau stating Capital one report my balance increased and my score dropped immediately. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this account was created unauthorized fraudulently 15- 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies

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

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/year>XXXX  To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/year>XXXX  To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
A $ XXXX financing account for a water system was reported as late, harming my credit despite over 10 years of perfect payment history across significantly larger accounts. I contacted the creditor multiple times to establish autopay, but was told their system was down. Upon being notified of the issue, I paid off the balance early in full. 

Ive disputed this with the credit bureau multiple times, but they continue to report the item without providing documentation or reinvestigation. This inaccurate mark has harmed my credit standing and financial opportunities. I request a full investigation and removal of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am writing to dispute an inaccurate and outdated account appearing on my credit report. The details of the account are as follows : Creditor Name : National Credit System Original Creditor : XXXX XXXX XXXX Account Number ( last digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Status : Collection account, past due as of XX/XX/XXXX Last Status Update : XX/XX/XXXX Upon reviewing the credit report, I noticed a major reporting inconsistency : Inaccurate and Stale Status Updates : This account lists a status update from XX/XX/XXXX, yet the payment history continues to reflect active collection reporting monthly through XX/XX/XXXX over XXXX years of updates with no corresponding status change. This contradicts the Fair Credit Reporting Acts requirement that data be accurate, complete, and current. A collection account can not continue reporting monthly delinquencies for years without a status update, especially if there has been no verification or change in balance ( {$2200.00} remaining unchanged over five years ). 

This long-standing negative entry, with no payment activity and static balance, appears outdated and misrepresents the current state of the account. 

I am requesting that XXXX perform a full investigation into this account. If the information can not be verified with proper and updated documentation from the data furnisher, I respectfully request that this account be removed from my credit report in accordance with FCRA guidelines. 

Attached you will find images from my credit report showing the disputed information. I ask that you confirm the results of your investigation in writing. 

Thank you for your time and attention.

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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : SXX/XX/XXXX- Balance : {$910.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : SXX/XX/XXXX- Balance : {$910.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-04 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-04 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: FL

Complaint narrative:
I have attempted to dispute this auto loan on my credit multiple times since I have the document from the lender stating it was paid in full. They are refusing to remove the negative information on my report stating I still have an account thats been charged off and Im delinquent status, with a balance of {$7000.00}, when this has been Paid In Full to the lender.

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 2025-04-04 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief