vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against Bank of America for violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Specifically, I believe Bank of America has inaccurately reported late payments on my credit account, which has caused harm to my credit profile and financial reputation. 

Account Information : Credit Card XXXX XXXX XXXX XXXX Inaccurate Reporting : XXXX, XXXX, XXXX of XXXX Late payments are a violation of privacy according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened no such account and this company could not provide with with any validation nor any data proving this account was mine at all. I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me XXXX my XXXX son. I am a homebound XXXX XXXX retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( Credit Pros ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on XXXX XXXX and I will go to the media because I am not being heard XXXX XXXX XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Security freeze has been placed on my file and I want it lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Michael J Adams PC
State: TX

Complaint narrative:
I received several abusive calls from Michael J Adams Law Firm, which was acting as a debt collector. The person who called me was a very XXXX XXXX XXXX XXXX XXXX XXXX  for ID purposes ), who yelled at me, used derogatory language, insinuated I was low quality human for not paying the debt and more. On the calls she agreed to do things, to research, to provide info to help clarify the debt, debt amount, how I was billed etc. She did not complete those items. then she called back with threatening language, threatening to drastically increase the debt amount by adding in absorbant fees, trying to strong arm me to pay. I told her to complete the items we previously discussed so I could determine what amount to pay, she got extremely mad, threatened me to go to court and then hung up on me. This occurred a XXXX time when I called back trying to work with them and again this young female was abusive, rude and again threatened with court and law suit. They also filed a lawsuit before ever even contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXP - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-06 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-03-06 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: EdFinancial Services
State: TX

Complaint narrative:
I have seen my credit scXXXX decrease dramatically in the last 2 months. There is a company named ED financial that has several bad crediting accounts from 2009. These debits are not accurate and not by FCRA guidelines and I'd like them to be removed immediately. I have worked very hard on keeping a good credit score and this has caused issues for my plans in wanting to buy a home in the future. I have mailed off a letter today to ED financial, XXXX XXXX and to XXXX. I do not know what these accounts are even for, and I have not received any correspondence from them. Please help with getting these charges off my record ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I acquired a car via credit from XXXX XXXX XXXX via XXXX XXXX sale. The agreement between myself and XXXX XXXX XXXX was then assigned to Santander Consumer USA. Recently while going over the details of the agreement, I noticed misrepresentations and errors within the agreement. I've reached out to Santander Consumer USA via U.S. postal mail disputing the alleged debt, requesting full disclosure of agreement, and requesting proof of adequate assurance of due performance. I've also reached out to the dealership as well, because I was led to believe that my down payment was applied to and subtracted from the sales price of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a bankruptcy inaccurately reported on my credit profile. Either the information is not mine, or it includes errors such as incorrect dates or case numbers. I have made multiple attempts to resolve the matter with the credit bureaus and have provided supporting documents, but no changes have been made. I am requesting CFPB assistance in having this inaccurate reporting corrected or removed.

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 2025-03-06 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: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had closed my American Express account ending in XXXX on XX/XX/year>. However, approximately XXXX months after closing my account, I received an automated email from American Express stating that a {$50.00} credit that was given to me when i had the card, has now been reversed. Crucially, I was not informed of this potential reversal at the time of my account closure. Furthermore, American Express did not attempt to contact me directly via phone to inform me about this reversal and the resulting account balance. Instead, they relied solely on automated emails, which I did not monitor as I had already closed my account and reasonably assumed all communication with Amex was concluded. As a result of this lack of direct communication and my unawareness of the reversal, American Express proceeded to impose a {$70.00} late payment fee. This late fee was applied to an account that had been closed for months, and I was not given a reasonable opportunity to address the reversed credit before the fees were incurred. This unwarranted late fee has negatively impacted my credit score, causing me significant distress and potential financial harm. I believe American Express has acted in bad faith by : Reversing a credit months after the account was closed without proper notification. Failing to provide direct communication regarding the reversal. Imposing excessive late fees on a closed account. Negatively impacting my credit score due to their improper actions. I request CFPB to please investigate this matter thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I used to have my private and federal student loans through Navient, my federal loans were consolidated and transferred to aidvantage on XX/XX/XXXX which was {$63000.00}. I had then one loan left which was a private loan with Navient {$9300.00}. In XXXX of XXXX XXXX took over my loan from Navient. I have XXXX OPEN ACCOUNTS with Navient all accounts are closed with a XXXX balance. On my credit report Navient is still reporting 2 open accounts with balances one loan with {$6900.00} and another loan {$7000.00}. This is false information they are reporting on my credit report. I have filed 3 claims with XXXX to dispute this inaccurate information and they have contacted Navient on my behalf and Navient continues to Lie and give falsified documents to the credit bureau stating the information is correct and the accounts are open, the most recent report they claimed this false information with XXXX was XX/XX/XXXX. This is destroying once again my credit and my debt-to-income ratio because it has now added {$20000.00} more debt to my name which I don't owe. I have called for months getting transferred around to different people. Again, I called Navient XXXX & XXXX in the middle of my conversation I am being hung up on. Thats how I am being treated by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My daughter attended XXXX XXXXXXXX XXXX and never completed school here because the college was set to be closing indefinitely and I simply can not afford to repay this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-06 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-06 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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