vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I originally submitted disputes to Experian in early XX/XX/year> regarding multiple inaccurate accounts tied to fraud, including XXXX and XXXX XXXX XXXX. These disputes were valid under FCRA and properly supported. However, Experian illegally altered my disputes twice once on XX/XX/year>, and again on XX/XX/year> without my knowledge or authorization. 

Experians system reflects that my disputes were modified by a Dispute XXXX yet I received no resolution, no communication, and no mailed results. These unauthorized modifications violated FCRA 611 ( a ) and 607 ( b ), and directly interfered with my consumer rights.

Even worse, I have since been blocked from viewing my Experian credit report entirely, preventing me from seeing the final status of my disputes or checking if my file is accurate. This is unacceptable and unlawful.

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 2025-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of Americas failure to properly verify information regarding an account they furnished to the credit reporting agencies. I sent a formal written request on XX/XX/year>, asking for debt verification under the Fair Credit Reporting Act ( FCRA ), Section 611. 

Bank of America responded on XX/XX/year>, stating that their reporting was accurate, but they failed to provide : * A copy of the original signed agreement * A full and itemized payment history * A detailed explanation of the charge-off status * Proof that proper verification was conducted before reporting * Suspension of reporting during the investigation This response is insufficient and does not comply with FCRA requirements. As a result, inaccurate and unverified information continues to damage my credit profile. 

I am requesting that the Consumer Financial Protection Bureau take appropriate action and compel Bank of America to either provide the required verification or delete the account from all credit reporting agencies. 

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Unverifiable Account Verification XXXX  failed to provide any supporting documentation or method of verification when requested under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ). They simply repeated that the data was verified, without evidence.

Misleading Tradeline Reporting Synchrony Bank is simultaneously reporting the account as : Charged Off Past Due 120 Days Late This is a XXXX XXXX format violation and misleads lenders by creating duplicate derogatory marks in a single reporting cycle. This fails the " maximum possible accuracy '' standard under FCRA 602 ( a ).

Inflated Post-Charge-Off Balance Synchrony is reporting a charge-off amount of {$2200.00} on a {$1700.00} credit limit, which appears to include interest/fees added after default. If these fees werent contractually agreed to, this may violate Regulation Z of the Truth in Lending Act.

Failure to Remove Unverifiable Data XXXX  refused to delete this account after failing to provide original documentation or sufficient verification from the furnisher as required by FCRA 611 ( a ) ( 5 ) ( A ).

Prior History of Noncompliance by Synchrony Bank Given SYNCBs history of enforcement actions by the CFPB for reporting violations, I believe my account is part of a broader pattern of abusive practices.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this letter as a formal complaint regarding the reporting of a late payment by XXXX on my credit report for XX/XX/year> ACCT # XXXX XXXX XXXX XXXX XXXX This reporting is the result of circumstances beyond my control and should be investigated and corrected. 

In XX/XX/year>, I mailed a check to XXXX to make my regular monthly payment. However, I later discovered that the payment never reached the creditor, and my bank has confirmed that the check has not been cashed as of today 's date. This indicates that the check was either lost or stolen in the mail, and I was unaware of the issue until I noticed the late payment reported on my credit report. 

Upon further investigation, I realized I was a XXXX XXXX XXXX XXXX, as the payment was never processed or received by XXXX. I have a consistent history of making on-time payments, and this situation unfairly damaged my credit through no fault of my own. 

I am respectfully requesting that this late payment be removed from my credit report due to the extenuating circumstances of mail fraud and the fact that I took timely action to submit my payment in good faith. 

Please investigate this matter thoroughly and take appropriate action to ensure my credit file reflects accurate and fair information. I am also submitting a dispute with the credit bureaus and have included any supporting documentation available. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring consumer protections are upheld. 

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 non-monetary relief
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-01 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: KY

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 ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} CAPITAL XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I was scammed using my Wells Fargo Credit Card. 
I opened a new credit card with Wells Fargo and almost immediately I was experiencing fraudulent charges on my account. I had to replace the card three times. 
On XX/XX/year> there was a large charge that I did not recognize that was questioned by what I thought was the Bank via a text request for my response to the charge, I responded negatively to the charge. 
With in 15 minutes I got additional texts from who I was told was the Wells Fargo Fraud Dept and the FBI. ( Text copies enclosed ) They asked me to go to the bank branch as they told me there was a fraud taking place within the branch by the XXXX and a teller. 
I was told to make a withdrawal from my checking account. ( {$13000.00} cash ) I was then instructed to redeposit it into my account via a provided Debit Card at the cash machine outside the branch.

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 2025-07-01 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-01 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year> I received notification from Capital One that they receive notification from the credit bureau that I had a delinquent account, a decrease in my credit line, and a drop in my credit score. Shortly after I received a letter from Capital One stating that they were decreasing my credit line by {$6000.00}. I immediately began investigating because the decreases did not make sense to me and I did not have an account in delinquency. As it turns out I did have an account erroneously placed in delinquency by XXXX. I contacted the credit bureau to make a dispute about the issue and also contacted XXXX who admitted the error and indicated that they would immediately send notification to the credit bureaus. I've been reached out to Capital One to let them know of this error and that the dispute was currently in process and that I would like my credit line increase because it was clearly an error. On XX/XX/XXXX TransUnion sent a message saying that their findings was that it was an error and that they were updating my credit report. I received a notification from Capital One the next day stating that they received notification from the credit bureau that my delinquent account had been resolved that my credit line had increased and that my credit score had gone up. However I never received notification that they were restoring my credit line. I recently refiled up with them about it and they told me that in order to have it restored I would just have to request a credit limit increase which I did. Upon making the request I immediately got a response that it was declined because I had recently had a credit line decrease and changes to my credit report. However I also noticed that immediately my credit score went up again on their credit wise system. I spoke to multiple account Associates and supervisors regarding this issue because essentially I am being held responsible for the mistakes of XXXX even though I did not make any mistake and I did not have a delinquency so I should not have had any line decrease. I did not have to make a request with XXXX for them to restore my credit line but not only do I have to make a request with Capital One they have already denied it and they have no reason to because they know that this was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Please refer to past CFPB complaints : XX/XX/year> - # XXXX XX/XX/year> - # XXXX Citibank/Best Buy blocked my access to view my accounts and transactions, during this time I was not aware of had visibility of the charges or transactions on my account. I also had automatic payment being deducted from my bank and could not stop payments since i did not have access to view my transactions and accounts. 

After opening a complaint with CFPB, they gave me access and returned the payments I had made while I reviewed the transactions for accuracy. I noticed a charge for XXXX transaction that was made to my account but due to me not having access and seeing charges after, instacart did not remove or allow me to dispute the charge and now Citibank/Best Buy will not remove the charge of {$99.00} and have also reported it to the credit bureau and are trying to collect.

I do not have an issue paying for it if I had access to view my transactions and had access to my account. I feel pressure and unethical practices from this company. There was no way for me to actively and in a timely manner dispute this charge on my account since my access was blocked. They took responsibility and returned my funds but now refuse to take responsibility for this charge and also reported derogatory claim on 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 non-monetary relief
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief