vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  ) at around XXXXXXXX XXXX I went to BOFA drive-thru ATM to deposit cash in the amount of {$1000.00}. The ATM malfunctioned, it didnt count my money and never gave me my money back. The money never deposited into my account. I filed a claim the next day and received provisional credit almost two weeks after the incident. Said claim was denied last week due to no overage being found in the ATM and reviewed camera footage is insufficient evidence to prove the existence of my depositBOFA wants the credit back. A new claim has been filed but i need more help to prove i was there depositing {$1000.00} and that BOFA needs better cameras.

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 2025-04-29 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited 4 checks from the Department of Treasury into my business banking account with Bank of America. They initially put a 7 day hold on the checks which is understandable. After the 7 days, the funds were made available and I began paying some business debts as well as investments into our current project. On XX/XX/XXXX, about 3-4 weeks after checks were deposited, Bank of America randomly put a freeze on my account saying they need to verify the checks from the Department of Treasury XXXX I have now received another check from the Department of Treasury, in the amount of $ XXXX that I have not deposited because of this freeze on my business account. These checks are Employee Retention Credits we earned for 5 quarters during COVID-19 and we finally received them after 3 years. Bank of America can easily verify these checks online via government website that verifies checks from the Department of Treasury. It is now XX/XX/XXXX and I have my vendors to pay who are threatening that they will put a lien on my building. These funds are to be used for this purpose of opening our senior residential care facility and I was notified by the IRS via XXXX that the money is on it's way so I began working on the project. I need my money and need to be able to deposit this other check for $ 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy of the XXXX XXXX XXXX  account being reported on my credit reports with Experian, Equifax, and TransUnion. 

In XX/XX/year>, I submitted a certified dispute letter directly to XXXX XXXX XXXX  concerning the wrongful reporting of late payments on this account. Specifically, I advised that this account should have been covered under my request for assistance pursuant to the CARES Act, which I initiated before any missed payments. Despite my proactive outreach, XXXX XXXX reported late payments that should not have been recorded under federal guidelines related to XXXX hardship protections. 

As of today, I have not received a response from XXXX XXXX XXXX  within the required XXXX window outlined in the Fair Credit Reporting Act ( FCRA ), Section 1681i. According to this provision, if a data furnisher fails to verify disputed information within 30 days, the credit bureaus must consider the information unverifiable and correct or delete it.

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 2025-04-29 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 formally disputing the accuracy of the XXXX XXXX XXXX  account being reported on my credit reports with Experian, Equifax, and TransUnion. 

In XX/XX/year>, I submitted a certified dispute letter directly to XXXX XXXX XXXX  concerning the wrongful reporting of late payments on this account. Specifically, I advised that this account should have been covered under my request for assistance pursuant to the CARES Act, which I initiated before any missed payments. Despite my proactive outreach, XXXX XXXX reported late payments that should not have been recorded under federal guidelines related to XXXX hardship protections. 

As of today, I have not received a response from XXXX XXXX XXXX  within the required XXXX window outlined in the Fair Credit Reporting Act ( FCRA ), Section 1681i. According to this provision, if a data furnisher fails to verify disputed information within 30 days, the credit bureaus must consider the information unverifiable and correct or delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including 75 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I identified an unauthorized credit inquiry from XXXX XXXX on my TransUnion report. I did not apply for credit with this company or authorize any inquiry. I have never done business with them. 

I have submitted an official identity theft report through identitytheft.gov ( FTC Report # XXXX ), which is attached. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate and permanently remove this inquiry from my report under FCRA 611 and 605B.

Attached : Official FTC Identity Theft Report with all required details.

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 2025-04-29 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and possibly fraudulent entries on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report, and 15 U.S.C. 1681i, which requires reinvestigation of disputed information.

I have identified the following accounts that are inaccurate or do not belong to me. I am requesting a full reinvestigation and removal if they can not be verified 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 XXXX XXXX XXXX  Some of these accounts are duplicated, and others XXXX be the result of identity errors. As someone born in XXXX, I believe these accounts are not legally or factually attributable to me. 

Please conduct a prompt and thorough investigation of each item listed above. If any account can not be verified, it must be removed from my credit report as required by law. I request a written response outlining the results of your investigation within 30 days, in accordance with 15 U.S.C. 1681i.

I have enclosed a copy of my government-issued ID and a copy of my credit report with the disputed items highlighted. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I must disclose full intentions and my next step if this matter isn't resolved. I do plan to file a lawsuit against LVNV and RESURGENT for falsely attempting to collect an incorrect amount on an alleged debt owed. I have attached both my credit report stating a charge-off amount AND the letter of verification supposedly original loan information from the collection agency..... Which by the way, seems to be falsified by the collection agency in an attempt to commit fraud! 
I requested debt verification according to the FCRA and received a letter from this alleged debt collector with a quoted amount differentiating from the stated amount on my consumer credit report. You can see the amount difference alongside some other inaccuracies. I will file a suit for each violation and am assuming I'd receive the maximum amount of {$1000.00} per violation which from my calculations may be a minimum of {$2000.00}, if I don't calculate interest charges and if I don't challenge date of delinquency... 

PLEASE REMOVE THIS INACCURATE, UNFAIR, Misleading, fraudulent attempt to collect an improper amount. If I have to submit other cases published by the CFPB and legal channels, I will. According to my rights under the FCRA, this account should be removed IMMEDIATELY!!! I am faithful that this account will be removed and NOT SOLD to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate & Unverifiable Accounts Under FCRA Immediate Action Required Dear [ Bureau Name ], This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.

Code 1681 et seq. ) regarding the inaccurate, incomplete, and potentially unverifiable reporting of the following accounts listed on my credit file : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$5500.00} balance but lacks full documentation showing lawful ownership, itemized charges, or a complete payment history. 
There is no contractual proof provided validating this debt under my responsibility, and the dispute resolved comment was added without proper resolution or consumer verification, in violation of FCRA 1681s-2 ( a ) ( 3 ). 
I am requesting full validation including the original contract, full accounting ledger, and written charge-off explanation. 
If the reporting party can not produce these items, this tradeline must be immediately deleted under FCRA 1681i ( a ) ( 5 ). 

XXXX XXXX ( XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX This revolving account reflects derogatory charge-off status with a balance of {$340.00} yet also lists a credit limit of {$300.00}, which creates an inconsistent and mathematically inaccurate balance-to-limit ratio. 
Additionally, the consumer statement and charge-off comments appear contradictory and are likely misleading to third-party users of the report. 
The " profit and loss write-off '' combined with " charged off as bad debt '' and a " consumer dispute '' label is excessive, redundant, and damages my creditworthiness potentially violating FCRA 1681e ( b ) due to inaccurate reporting standards.

I request the removal or immediate correction of this tradeline unless full validation and ownership documentation can be provided.

These accounts are damaging my credit profile and are either not verified, outdated, duplicative, incomplete, or misleading in violation of multiple provisions of the FCRA, including : 1681e ( b ) Failure to report with maximum accuracy 1681i Failure to reinvestigate disputed information 1681s-2 ( b ) Furnisher obligations to correct and delete inaccurate data Please conduct a thorough reinvestigation within the 30-day period required by federal law. If you can not verify the accounts with original creditor contracts and documents, these accounts must be deleted. 
I also request you block re-reporting of any removed item under FCRA 1681i ( a ) ( 5 ) ( C ) unless certification is obtained. 
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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete account this account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a follow up to an unresolved complaint made directly to Synchrony Bank and followed up with a CFPB Complaint XXXX. 
Despite several phone call to Synchrony they refuse to credit all additional undeserved charges and are not responding to the original CFPB Complaint in a timely manner. 
Specifically Synchrony have refused to credit a monthly " Minimum Interest Fee '' on an interest free loan, despite crediting the charges that created this " Interest ''.

Furthermore, by their creative accounting and math practices they are still applying this Minimum Interest Fee despite me making an extra payment to cover the previous months fee that they refused to refund. It seems they have calculated interest on their overcharges that they then refunded at a later 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 monetary relief
Consumer complaint received 2025-04-29 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
Southwest recovery service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed a fraud about my Amazon Card that I already had paid in full like all other my credit cards.

That accepted the claim but sent me another card that I never used and check.my credit score those 2 Amazon Card is showing two unpaid balances.

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 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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