vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this second follow-up complaint regarding the unresolved issues with my credit report, which I previously filed on [ Insert Date of Original Complaint ]. Despite my initial request, the accounts in question remain inaccurate, unverifiable, and inconsistent across the credit bureaus, continuing to negatively impact my creditworthiness. I request that the Consumer Financial Protection Bureau ( CFPB ) expedite the investigation of these discrepancies and compel the furnishers to correct or delete the erroneous data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing multiple balances, specifically {$10000.00}, {$2300.00}, {$10000.00}, and {$10000.00}, with a last activity date of XX/XX/year>. These balances and dates do not match across the credit bureaus, and in some cases, no report of these balances appears in other credit reports. This inconsistency violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that credit reporting agencies must ensure maximum accuracy in reporting consumer informationXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis account shows a {$0.00} balance but is still listed on my credit report, while it is not reported elsewhere. This entry violates FCRA 607 ( b ), which requires that only accurate and complete information be reported. Additionally, this account is no longer active or reportable, violating FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which mandates that unverifiable or obsolete data be deleted, not just corrected.

I am requesting a full investigation into these accounts, with a permanent correction or deletion of any unverifiable or inconsistent items as required by law. Under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], furnishers are prohibited from reporting information they know, or should know, to be inaccurate. Furthermore, FCRA 623 ( a ) ( 2 ) imposes a duty to correct and update inaccurate information promptly.To summarize, the unverifiable and inconsistent data associated with these accounts violates several sections of the FCRA : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires maximum accuracy of reported information.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] : Mandates correction of unverifiable information. 
FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Prohibits the reporting of inaccurate or inconsistent information.

FCRA 623 ( a ) ( 2 ) : Requires correction and updating of inaccurate information.Given the serious impact these inaccuracies have on my credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
. Requested on XX/XX/XXXX that I received 1.Proof that company is authorized to collect debt 2. Documentation showing that I am legally obligated to pay3. A complete chain of assignment/ownership of debt. Midland received said letter in XX/XX/XXXX. Response was received on XX/XX/XXXX inadequate and conflicting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened a new checking account with Bank of America, online. I applied for the account and was instantly approved on XX/XX/year>. During my application, I selected an option presented to me to " enroll early in XXXX Rewards. '' XXXX Rewards is a program with Bank of America that rewards customers with eligible deposits with benefits like increased rewards on credit cards, checking account fee waivers, etc. 

XXXX Bank of America 's XXXX Rewards terms ( see here : https : XXXX ), a customer will receive benefits of XXXX Rewards " for new accounts within 30 days of account opening '' provided that the customer has met the balance requirement. XXXX Bank of America 's XXXX Rewards terms, a customer XXXX meet the balance requirement with " a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least XXXX day within 30 days of opening that account. '' I deposited over $ XXXX in new funds within 30 days of opening the account, and maintained that balance for several days. Thus, XXXX Bank of America 's Preferred Rewards, I was eligible to receive benefits at the XXXX XXXX level. However, I never received the benefits. I contacted several Bank of America XXXX XXXX representatives, who indicated that I was not eligible to receive benefits since I had not selected to " enroll early in Preferred Rewards '' during my application. This is false, and I have video evidence ( a screen recording of me submitting my application ) showing that I did select this option. I shared this information, but Bank of America XXXX XXXX representatives gave me no option to send my video evidence, and made no attempt to correct the mistake. I even attempted to contact my local branch for assistance, and they were unable to help me. 

I am super frustrated as Bank of America did not uphold their own terms for XXXX Rewards enrollment and qualification, and made no effort to rectify the situation. Now, I am also worried that the bonus offer I applied for with my account XXXX not have been attached/ recorded during my application. I'm not sure how a major bank can be so inept and unhelpful with situations like this. 

My video evidence is too large to attach to this complaint, but I will attach XXXX screenshots from the video. I am eager to provide the full video if I am able.

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 2025-11-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
I am disputing inaccurate items appearing in my credit report. The Fair Credit Reporting Act ( FCRA ) protects my right to accuracy in reporting. Section XXXX ( a ) ( XXXX ) ensures I can review my file and dispute incorrect information. Section XXXX ( a ) ( XXXX ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within XX/XX/XXXX days. Section XXXX ( b ) requires maximum possible accuracy when reporting consumer data. 
XXXXXX/XX/XXXXXXXX XXXX, NY XXXX XXXXXX/XX/XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX BANK XXXX XXXXXX/XX/XXXX Balance : {$2300.00} XX/XX/XXXX Balance : {$8800.00}

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Unauthorized transactions on my debit card from XX/XX/year> thru XX/XX/year> .. dispute # XXXX. Debit card ending in XXXX. I received the envelope the debit card was suppose to come in by mail, the debit card was missing. I went to local branch in XXXX Ar and reported this and was made a new debit card on the spot. Unaware the regions employee has made the card with fhe same number ending in XXXX I went about my day. I was out of town for medical treatment from XX/XX/year> thru XX/XX/year>. I provided medical bills showing my admission and discharge dates. I provided police report and hotel bill. I was in XXXX at a XXXX center for treatment for these dates. My claim was originally denied but then reopened. I originally reported this around XX/XX/year> the day I discovered the Unauthorized transactions. I am unable to pay my rent or return to XXXX for my continued treatment because Regions wont return my money. I have cooperated and provided all documents necessary to show it wasnt me that made the transactions.

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 2025-11-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a formal billing error dispute to Navy Federal Credit Union on XX/XX/year>, which was delivered and signed for on XX/XX/year>. My written dispute requested documentation and clarification under the Truth in Lending Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.5 and 1026.13 ). Specifically, I asked Navy Federal to explain how interest was applied to my account from the time it was opened through the most recent statements. Despite their obligation to acknowledge the dispute within 30 days and resolve or respond within 90 days, they have provided no written response or documentation of any kind. They have failed to meet their legal duties under federal law, and I am requesting that this unresolved account be dismissed and any negative reporting be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Product : Mortgage Issue : Credit Reporting Company : Freedom Mortgage I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX, through my bank. Ive attached a screenshot showing that I submitted the payment on XX/XX/XXXX. 

Freedom Mortgage posted the payment on XX/XX/XXXX, one day later, and reported it as 30 days late to the credit bureaus. 

I have been a Freedom Mortgage customer since XX/XX/XXXX and have never missed or been late on a payment and before them I was with XXXX since XXXX and never missed a payment. This one incident caused a major drop in my credit score ( over 150 points ). 

I contacted Freedom Mortgage and sent them a email and secured message on XX/XX/XXXX a goodwill adjustment request on XX/XX/XXXX. However they have denied my request on XX/XX/XXXX due to FCRA and mortgage servicing rules which focuses on the posting date and not the date I actually sent the payment. However I did not neglect the payment. The delay is a processing-related not missed payment.. I have had a clean payment since XXXX of XXXX. With everything that's going on in the world and I have members of my family not working due to the government shut down. It was a simple oversite. I had the money in my account I just forgot what day it was and when I realized it was XXXX on the XXXX. They are saying because it was end of business is why it didn't post until the XXXX. However they stated o me if I would have submitted the payment 4 hours prior I would have been fine. I am just asking for a one time adjustment due to this one missed payment on my credit dropped my credit over 150 points. In which will be severely detrimental to my life because I have a teen in college and I need my credit a certain score for his financial aid. I am willing to set up auto payment or whatever I need. I just would like this to be corrected and removed from my credit.

Im respectfully requesting that Freedom Mortgage review this account and consider adjusting or removing the late payment, as the payment was made within the month and delay was due solely to processing time, not consumer negligence. 

I have attached my email/ secure message I sent to freedom mtg on XX/XX/XXXX. 
I also have attached a screenshot of their response. 
I have also attached my payment history they have provided and they screenshot of the confirmation email that was sent from freedom mtg when I made the payment on XX/XX/XXXX that successfully went through. 

I would like any assistance or consideration that can be made for my case. 
I can provide any additional documentation that's needed. 

Thank you in advance 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I am filing a complaint regarding a collection account that IC System : XXXX XXXX XXXX XXXX XXXX has reported on my credit reports. These accounts is being reported to XXXX or more credit bureaus, but I have not received proper validation or documentation to verify that this debt belongs to me or that IC System : XXXX XXXX XXXX XXXX XXXX has the legal right to collect or report it. I requested validation of the debt from IC System : XXXX XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) but have not received sufficient proof, such as a copy of the original signed agreement, itemized statement, or assignment of ownership from the original creditor. Despite this, the company continues to report the collection on my credit file, negatively impacting my XXXX XXXX and causing financial harm. Additionally, the company has failed to provide clear information about the original creditor, date of default, and how the current balance was calculated. I believe this XXXX constitute violations of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), as the information appears to be inaccurate and unverifiable.

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 2025-11-11 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: FL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
This letter serves as my first formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX  XXXX Bankruptcy Discharged XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
This letter serves as my first formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX  XXXX Bankruptcy Discharged XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately.

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