vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background
State: FL

Complaint narrative:
I am filing this complaint against Accurate Background for obtaining and/or retaining my personal information without my knowledge, consent, or authorization. I have never applied for a job or service that would require Accurate Background to run a background check on me, and I have never signed a consent form, agreement, or disclosure allowing Accurate to collect, store, or report my information.

I have no existing or prior relationship with Accurate Background, yet it appears they may possess or have accessed my datapotentially including my Social Security number, name, date of birth, and criminal history. I discovered this after conducting research into unauthorized background screening agencies and confirming that Accurate is among the top used services for screening without transparent consent. 

Their actions constitute a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b There is no permissible purpose or written consent justifying Accurates possession or access to my personal data.

15 U.S.C. 1681e ( a ) Accurate failed to verify whether it had a lawful basis to compile or maintain a file on me.

15 U.S.C. 1681g I have not been provided with any disclosure or report, nor notified that any file was created in my name.

I sent a legal request demanding deletion, disclosure, and opt-out. I have not received sufficient response or proof that they are in compliance with the law.

I now ask the CFPB to investigate this unauthorized data handling, enforce my consumer rights under the FCRA, and help ensure Accurate is held accountable for unauthorized reporting or possession of my personal information.

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

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 grant 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 2025-07-07 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: NC

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. 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 explanation
Consumer complaint received 2025-07-07 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: MI

Complaint narrative:
Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX XXXX XXXX report but Experian failed to perform an investigation and delete the disputed information. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response via mail

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 2025-07-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 etseq., to dispute one or more unauthorized hard credit inquiries on my consumer report.

I did not authorize the following inquiry ( ies ), and I do not recognize them as relating to any account or application I initiated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
Bank errors in billing and reporting are negatively affecting my credit profile. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately reflect all payments and credits. However, my records show multiple discrepancies, including misapplied or unrecorded payments and calculation errors in reported balances. Furthermore, I did not receive the legally required 21-day advance notice before payment due dates, rendering any resulting late payment marks invalid.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Incorrect payment was made to my Capital one account and flagged as fraudulent since i didnt make the payment. My accounts are restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I purchased a car from XXXX XXXXXXXX XXXX XXXX in XX/XX/2021. On XX/XX/2021, Bank of America paid off the loan to XXXXXXXX XXXX XXXX XXXX I signed my auto contract at the dealership who faxed this information to Bank of America to pay off the loan. An issue arose with the car and this information is needed for my records. If BOA refuses to send me all documents associated with their interactions with XXXX XXXX XXXX my attorney will be sending a request for this information from their corporate office on my behalf. On XX/XX/2021, BOA instead sent me a letter about interest which is useless. I requested the below specific documents : -signed contract sent to BOA from XXXX XXXX XXXX to Pay off the loan. 
-amount BOA paid to XXXX XXXX XXXX the date -all other documents associated with this loan regarding BOA interactions with XXXXXXXX XXXX XXXXXXXX.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Debt Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I had my credit pulled and It was brought to my attention that I had a collection on my report. It said it was from Debt Recovery Solutions for {$4300.00}. I have had no prior knowledge of this. I reached out several times where and I was advised the Debt Recovery Solutions no longer has this collection has it and has since sent it back, The agent did state its from XXXX & sent it back to the original creditor. I called back again 5 minutes later and spoke to a second person. What he told me is false & misleading information stating he can settle on the account. Does DRS have the collection or not, I have received no proof of debt or wet signature proof. DRS has not once reached out to by phone call or USPS mail to advise of any sums due, and given the timeframe noted by the first representative, the debt would be time barred. Due to the conflicting and erroneous collection tactics the collection needs to be removed post haste

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

Complaint narrative:
After looking at my credit report, I noticed hard inquiries I do not recognize I reach out to TransUnion and Equifax and they refuse to dispute or investigate the inquiries.Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statements section that should be removed from my credit profile. 

15USC 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries Except as provided in section 15USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX I attempted to make a payment on a secondary credit card I have with Bank of America ( BOA ) that I rarely use. A charge was made to the credit card for an annual streaming subscription I had forgotten about. When I clicked the MAKE PAYMENT button I got this error message : " Your request can't be processed due to account status. Please contact us for assistance at XXXX. '' I called the above phone #. I was on hold for over an hour. When I got a representative he was unable to assist me and sent me to another department. Now I have been on the phone for 1.25 hours. Once I was at the correct department the representative was able to fix my account so I could make payment but I would have to wait approximately 24-48 hours to test the fix. I repeat : I won't know until the next day or two if the fix worked.

The second representative who assisted me is named XXXX and she was very professional, patient and knowledgable. She let me know she made notes in my account regarding the payment issues. Kudos to her but not to BOA. It seems BOA computer systems should be able to make changes/fixes in a more timely manner. After all, they made a profit of XXXX XXXX in XXXX. 

I was on the phone for a total of 1 hour and 46 minutes. This would never happen if BOA had good customer service.

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 2025-07-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  on. I received letters that my social security number, all my medical information, my disability information, drivers license, all my accounts were breached, and needed to get my credit reports. My bank informed me in XXXX XXXX  -on that I had a Sears credit card, a XXXX XXXX XXXX XXXX XXXX loan and other bank fraud was done. None of this was me, it was a criminal. After getting my credit reports, which took months to retrieve due to all the information on them, ie. Wrong addresses, wrong names, wrong phone numbers etc. After receiving my 3 reports, there is over 300+ bank inquiries in California, fraudulent tax information in XXXX XXXX open credit cards, maxed out( not by me) N C and Wisconsin along with XXXX XXXX in Florida and moreXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXmpersonated XXXX XXXX  representative for fraud done to me, wanting to go over all the fraud, but was in Florida. I did not, I had already wrote to XXXXXXXX XXXX  prior to the call and put out fraud alerts on all 3 reports. Also I wrote to every company, person places and such informing all of the situation. On XXXX XXXX  I sent my 3 credit reports to XXXX XXXX  PA FBI along with my devices to be forensic. I reported everything as well to a detective aurand in XXXX pa, who told me   move from open XXXX XXXX  asap, which I did. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My unlisted phone number at the time was XXXX XXXX XXXX  which has charges on my bills from XXXX XXXX XXXX. I asked for all my records be supenia for all the years, rather than one year, which is all I was allowed to receive. To add I have names on my accounts that have no business on them, I have 0 association with, on my XXXX XXXX there is a " XXXX using my information, on my XXXX XXXX XXXX XXXX  who changed my account to a business account, XXXX landline added charges and hacking into my landline from the open XXXX XXXX XXXX I did inform the owners of this fraud situation several times, throughout XXXX XXXX XXXX  My medical too was hacked and someone altered my medical file for a workers comp claim and payroll. None was me, I\'m not workers comp with my employer although I am 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 2025-07-07 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-07 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-07 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: FL

Complaint narrative:
I am filing this formal complaint due to an unjustified XXXX drop in my Equifax credit score immediately following the full payoff of my loan with XXXX XXXX XXXX Additionally, I suffered a separate and unexplained XXXX drop from TransUnion, further damaging my credit standing without merit. These sudden drops came right after hard inquiries and active disputes I filed, raising the suspicion of retaliatory scoring behavior by these credit bureaus. 

I have responsibly paid off multiple accounts, including both XXXXXXXX XXXX XXXX, my XXXXXXXX XXXX and significantly lowered all other balances. I have not defaulted or made late payments. My FICO XXXX XXXX  score was rising steadily and should now be well above XXXX. Instead, it is being manipulated and suppressed by opaque, unfair, and possibly retaliatory algorithms. 

Despite multiple disputes, none of these credit bureaus including XXXX XXXX, and TransUnion have fixed these inaccuracies or responded transparently. Ive been kept in the dark, forced to chase invisible updates while their systems damage my reputation and limit my access to credit. 

This behavior is not only abusive to consumers especially seniors like myself but also deeply unethical. These agencies operate without oversight, and their scoring models are weaponized against honest people trying to rebuild and live with dignity. 

I demand an immediate investigation and a full correction of all inaccuracies, an audit of any retaliatory behavior from the bureaus involved, and a restoration of my true credit standing.

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 2025-07-07 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-07 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: OH

Complaint narrative:
I am requesting that this XXXX account be removed immediately from my credit report. If the bureaus can not correct and verify consistent, accurate, and complete information with the original creditor, the account must be removed immediately. 
Please complete your reinvestigation and provide confirmation of the deletion once finalized. I can attached supporting screenshots for reference

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