vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date : XX/XX/XXXX [ Insert Bureau Name ] [ Insert Bureau Address ] Subject : Formal Dispute - XXXX Reported by Bank of America - Account XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the reporting of the following account on my credit file : - Creditor : Bank of America - Account XXXX XXXX Ending in XXXX - Reported Balance : {$1100.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Date of First Delinquency : XX/XX/XXXX XXXX XXXX Reporting Through : XX/XX/XXXX This account continues to report charge-offs every month even though it was closed in XXXX. This may be a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681i - Failure of the credit bureau to properly investigate disputes- 15 U.S.C. 1681s-2 ( b ) - Furnisher obligations to correct and investigate after dispute Such reporting may misrepresent the true status and age of the debt and improperly affect my credit standing. If Bank of America can not verify the accuracy and legality of this reporting, I respectfully request immediate deletion of this account from my credit file. 
Please send a response confirming the outcome of this dispute. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX finance has our account listed as a charge off on our credit report when it was paid off!

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 2025-05-24 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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 2025-05-24 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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 2025-05-24 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 noticed XXXX  XXXX did a hard inquiry on my account, however I had not applied for credit with them. 
XX/XX/XXXX and XX/XX/XXXX I received text message my credit card was on its way. 
XX/XX/XXXX I called XXXX XXXX to ask about the accounts, I told them I didnt apply for a credit card with them and had no knowledge of the situation. They asked me to verify my address and name and I had conflicting information with what they had listed so they said I would have to contact the credit bureaus to dispute.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed XXXX  XXXX did a hard inquiry on my account, however I had not applied for credit with them. 
XX/XX/XXXX and XX/XX/XXXX I received text message my credit card was on its way. 
XX/XX/XXXX I called XXXX XXXX to ask about the accounts, I told them I didnt apply for a credit card with them and had no knowledge of the situation. They asked me to verify my address and name and I had conflicting information with what they had listed so they said I would have to contact the credit bureaus to dispute.

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 2025-05-24 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 noticed XXXX XXXX did a hard inquiry on my account, however I had not applied for credit with them. 
XX/XX/XXXX and XX/XX/XXXX I received text message my credit card was on its way. 
XX/XX/XXXX I called XXXX XXXX to ask about the accounts, I told them I didnt apply for a credit card with them and had no knowledge of the situation. They asked me to verify my address and name and I had conflicting information with what they had listed so they said I would have to contact the credit bureaus to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

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 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.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries 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 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Investigation under the Fair Credit Reporting Act Dear [ Credit Bureau Name ], I am writing to formally dispute an account listed on my credit report and to request a full validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the account I am disputing : Creditor Name : [ Creditor or Collection Agency Name ] Account Number : [ Account Number as listed on report ] Date Opened : [ Date, if known ] Amount : [ Amount listed ] I do not recognize this debt and request that you verify its accuracy and provide the following : 1. The original creditors name and address 2. Documentation showing I agreed to the debt 3. The complete payment history 4. A copy of the signed contract or agreement, if available 5. A statement of how the amount was calculated Until you have fully verified and validated this account, I request that it be marked as disputed on my credit report.

If the account can not be verified, I ask that it be removed from my credit file in accordance with the FCRA. 

Please conduct your investigation and provide written confirmation of your findings within 30 days, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures ( recommended ) : Copy of your drivers license or ID Proof of address ( e.g., utility bill ) Copy of credit report with disputed item highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately 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 non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inquiries on my report because my information was exposed to the data breach without my knowledge and need it remove immediately please

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 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Requesting docs regarding the sale of the vehicle amount car was sold for and no response because the negative balance is as much as the car was purchased for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I contacted Credit Acceptance around XX/XX/scrub> 2022 to provide proof that the said debt was owed. The company replied with a letter stating the car will be sold and any money received will be apply towards the sale of the car and if the car was sold more than its original value I would receive the overpayment. 

The original auto loan was included in a XXXX XXXX bankruptcy but later converted to a XXXX XXXX  bankruptcy. The bankruptcy was discharged on XX/XX/scrub> 2022.

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
collection account that has appeared on my credit report, allegedly being handled by XXXX XXXX XXXX XXXX, doing business as XXXX. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In accordance with federal and XXXX  state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). 

Proof of your authorization to collect debt in the State of XXXX, including : A copy of your license or registration to collect debts in XXXX as required by XXXX  statutes ; Your XXXX  XXXX XXXX XXXX XXXX registration number, if applicable. 

Please be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Additionally, if you can not provide adequate validation, this account must be deleted from all credit reporting agencies. 

Under the FDCPA, you are required to cease collection efforts until you provide the information requested. Any continued attempts to collect without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IM JUST A VICTIM OF FRAUD. I NEVER KNEW THAT I HAD ANY RIGHTS UNTIL I WAS WATCHING XXXX AND I LEARN A LOT. THEN I WENT TO THE PROPER WEBSITES, SO IM TRYING TO CLEAR MY NAME UP FROM THIS 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 explanation
Consumer complaint received 2025-05-24 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611.

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I see MULTIPLE reporting INACCURACIES on my credit reporting regarding this account.

Company response to consumer: Closed with explanation