vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am requesting a full investigation into the XXXX Bank tradeline reporting on my credit report. This account was closed with a balance and continues to report in a way that appears inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : The account is closed, but the balance is still being factored into my utilization ratio as if its revolving credit. This unfairly impacts my XXXX XXXX. 
There has been no update to reflect my current payment status, and no proper explanation provided regarding the reporting method. 
I have disputed this account with the credit bureaus, but they continue to verify it without providing complete, verifiable documentation from XXXX. 
The credit bureaus are marking the account as verified without proof of accurate and complete data, which is a violation of 611 of the FCRA ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ). 

This negative tradeline is actively interfering with my ability to qualify for a mortgage and causing quantifiable financial harm. I am requesting : 1. Full verification and documentation of the accuracy of the reporting 2. Immediate correction or deletion of this account if it can not be verified with complete, accurate, and up-to-date information 3. A written explanation of how XXXX is complying with the FCRA regarding this reporting If the account is not updated or removed within the legal timeframe, I reserve the right to pursue legal remedies under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

This is now my final attempt at resolving this before involving legal representation.

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 2025-07-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXXXXXX XXXX XXXX I made a balance transfer from my Bank of America account to XXXX XXXX for {$5000.00}. The transaction was duplicated. My bank of America account balance was - {$5000.00}, I contacted them and they said they would send me a refund check. Two months went by and I never received a check. I called them on multiple occasions in XXXX and XXXX and had to escalate to a supervisor every call. The employees were rude. Eventually they did a direct credit to my bank account so my balance was {$0.00} on my XXXX statement. Then in XXXX, my statement was {$5000.00} again. They have given me multiple conflicting stories of oh they never stopped payment on the check or they sent two checks I dont know how that matters when I never received a check. I do not owe them any money nor will I be paying them any money. They now are telling me XXXX XXXX stopped one of the balance transfer payments for the duplicated transfer. That is not my problem. They gave me the money to pay XXXX XXXX  I paid XXXX XXXX It should have ended there and I owe bank of America nothing. If there is some kind of issue with what XXXX XXXX did, bank of America needs to take it up with XXXX XXXX. That is their problem and I am not responsible for it. I did my job of paying XXXX XXXX  for the duplicated transfer. I have been fighting with them for 5 months and cant get a consistent story. Nobody can explain it. I get conflicting reasons from every person I speak to. I am not paying off a balance that I do not owe them. This is a false claim and now they are charging me late payment fees for not paying off their mistake. This is not a complicated situation. I dont know why we cant resolve it. Why cant they help me? They refuse to help 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 monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX on XX/XX/year> at XXXX XXXX XXXX XXXX Alabama, for XXXX. The interest rate was not fully explained to me at the dealership that it would be compounded daily however the car was financed for 75 months which ; would be 6 and a half years. I had several extensions due to my wife being sick, critically injured, and several health issues. The extensions then had a huge interest rate added onto each extension. Now 6 years later I still owe XXXX almost the same thing I paid for the car 6 years ago. I realized that I would never pay it off at this point. Regional Acceptance Corporation has taken full advantage of me because my credit score was not the best and I was vulnerable, they fit the picture of a total predatory lender, please help 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 2025-07-18 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX XXXX XXXX XXXX  Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-18 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:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: VI

Complaint narrative:
Dear Synchrony Bank/Paypal Credit XXXX XXXX XXXX this formal complaint regarding an error in your reporting of my closed PayPal Credit account XXXX issued by Synchrony Bank XXXX XXXX the credit bureaus. 

This account is being reported with a XXXX XXXX Late status, which is factually incorrect. I have never missed a payment on this account, nor have I ever been 30 days past due at any time. The account was paid as agreed and subsequently closed in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information being reported on my credit profile. Per 15 U.S.C. 1681s-2, furnishers of credit information, such as Synchrony Bank , are legally obligated to report accurate information and must correct any errors after being notified. 

I am requesting the following corrective action : Update the tradeline to reflect : Closed Paid as Agreed or Closed Never Late Remove the inaccurate XXXX late payment notation from all credit reporting agencies to which you have reported this data Failure to accurately report account information is not only damaging to my credit profile, but it is also a violation of my consumer rights under federal law. I am requesting that this issue be investigated and resolved immediately, and that you provide confirmation of the correction in writing. 

If no action is taken to correct this error, I am prepared to escalate this matter further and take appropriate steps to protect my credit and consumer rights. 

Thank you for your time and prompt attention to this matter.

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 2025-07-18 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: 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. 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 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 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I'm unable to update my current CFPB complaint but have additional evidence that is relevant. XXXX  investigated this complaint and has deleted the collection account. This is additional evidence for my case as to this collection account being incorrect. 

This is an update to XXXX Attach is the XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX CREDIT MANAGEM - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX  - Account Number XXXX 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 XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} INQUIRIES : XXXX XXXX FO Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LLC Date : XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2025-07-18 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: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I am requesting a full investigation into the JPMorgan Chase Bank , N.A . tradeline reporting on my credit report. 
This account was closed with a balance and continues to report in a way that appears inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : - The account is closed, but the balance is still being factored into my utilization ratio as if it's revolving credit. This unfairly impacts my XXXX XXXX. 
- There has been no update to reflect my current payment status, and no proper explanation provided regarding the reporting method. 
- I have disputed this account with the credit bureaus, but they continue to verify it without providing complete, verifiable documentation from JPMorgan Chase Bank, XXXX.. 
- The credit bureaus are marking the account as verified without proof of accurate and complete data, which is a violation of 611 of the FCRA ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ). 

This negative tradeline is actively interfering with my ability to qualify for a mortgage and causing quantifiable financial harm. I am requesting : 1. Full verification and documentation of the accuracy of the reporting 2. Immediate correction or deletion of this account if it can not be verified with complete, accurate, and up-to-date information 3. A written explanation of how JPMorgan Chase Bank , N.A . is complying with the FCRA regarding this reporting If the account is not updated or removed within the legal timeframe, I reserve the right to pursue legal remedies under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

This is now my final attempt at resolving this before involving legal representation.

Company response to consumer: Closed with explanation