vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is furnishing systematically false and impossible account timeline data to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ). 
Account Details : Account Number : XXXX XXXXXXXX Date Closed : XX/XX/XXXX Date of First Delinquency reported : XX/XX/XXXX ( XXXX months AFTER closure ) Last Payment Date reported : XX/XX/XXXX ( XXXX years AFTER closure ) The Violation : It is physically impossible for a consumer to become delinquent or make payments on an account AFTER it has been closed. This timeline appears identically across all three credit bureaus, proving Bank of America is systematically furnishing false data. 
This constitutes : Fraudulent re-aging under FCRA 605 ( c ) Inaccurate furnishing under FCRA 623 ( a ) ( 1 ) ( A ) Willful noncompliance despite multiple disputes I have disputed this account multiple times with all three bureaus. Each time, Bank of America " verified '' these impossible dates, demonstrating they are not conducting reasonable investigations.

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 2025-11-04 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: PA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: TN

Complaint narrative:
They closed/suspended my account without any valid reason. Its a government card where I receive only XXXX XXXX. I now have XXXX access to money that is meant to take care of my daughter. I was placed on hold for XXXX hours, XXXX separate times today and would be transferred mid explanation about how I continue to be placed and left for hours on hold. I was on hold for the entire day and when I finally did reach someone, they refused to give me ANY information regarding the issue and said I need to email my photo id, bank statement and birth certificate to verify my identity to which I would then have access after 3-5 business days. And once I get clearance for my identity, I have to call again and be placed on hold for my entire day and have it be wasted just to LET THEM KNOW so they can release the suspension on my CHILD SUPPORT card that they made me get!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
XX/XX/XXXX I deposited {$5000.00} into my Robinhood trading account from my XXXX  checking account. That same day I decided I did not want to use RobinHood 's platform and I attempted to withdraw the {$5000.00} into my XXXX XXXX checking account. My account was then Frozen/restricted and I have not been able to access the {$5000.00} I deposited into Robinhood. I attempted to resolve this with Robinhood by uploading the documents requested. However, the document upload system is automated which means any errors in the documentation uploaded is not fixable. Thus, I was unable to upload a bank statement for the XXXX XXXX checking account as requested. I am afraid Robin Hood will close my account due to what they see as fraudulent activity but all activity on my account has been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I am disputing multiple inaccurate, inconsistent, and unverifiable tradelines being reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ), Regulation V, and Metro-2 data reporting standards.Experian is publishing conflicting, incomplete, and unverifiable data, failing to ensure maximum possible accuracy under FCRA 607 ( b ) and failing to conduct proper reinvestigation under 611 ( a ) ( 1 ) ( A ). These tradelines also violate Metro-2 and E-OSCAR procedures, requiring consistency between Account Status, Date Closed, DOFD, and Payment History.

This constitutes a pattern of noncompliance under FCRA 611, 623, and 607 ( b ) and Regulation V 1022.421022.43. 

I am requesting immediate reinvestigation, documentation verifying the data source and date of first delinquency, and deletion of any unverifiable or noncompliant data pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-11-04 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: FL

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On Monday XX/XX/XXXX at XXXX, a gentleman visited my house and spoke to my brother XXXX XXXX and looked for me. I was out doing a personal business, the server explained the amount illegally to my brother and left by throwing the papers in my front porch and telling my brother to go ahead and " throw them away ''. Also the company, Portfolio Recovery, has called on Sundays on OFF Times that are not allowed in state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am sending to formally dispute several accounts on my credit report related to student loan accounts that are being reported inconsistently. The information reflected in my report does not accurately represent my payment history or balances. I am submitting this letter in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ) to ensure my credit file accurately reflects verified and truthful information. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} Date XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} Date XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Date XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am filing this complaint against Exeter Finance LLC for inaccurate and improper credit reporting and failure to provide proper notice of negative information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Exeter Finance reported one or more late payments on my account without providing me with the required written notice prior to or within 30 days of the negative information being furnished to the credit bureaus. I did not receive any communication warning me that my account would be reported as delinquent.

Additionally, I have requested a goodwill adjustment to correct or remove the late payment ( s ), as I have demonstrated consistent payment history and good faith since the incident occurred. Despite multiple attempts to resolve this matter directly, Exeter Finance has not provided a satisfactory response or correction.

This inaccurate reporting has negatively affected my credit score and overall creditworthiness, even though I have been making timely payments since the reported incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To : LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Debt Validation Request for Alleged Account Amount {$540.00} Reported Date : XX/XX/year> To Whom It May Concern, I am writing in response to a recent entry you have reported on my credit file indicating that I allegedly owe a balance of {$540.00}. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Please be advised that this is not a refusal to pay, but a request that you provide proper documentation to verify that I am legally obligated to pay the alleged debt. Until the requested information is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agencies. 

Pursuant to the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. The original account number or other identifying information.

3. The date and amount of the alleged debts origination.

4. A complete payment history, including any interest, fees, or charges added.

5. A copy of the original signed agreement or contract bearing my signature that created the alleged debt. 
6. Documentation proving that LVNV Funding LLC is legally authorized to collect on this debt or owns the account.

7. The name and license number of your agency or servicer in the state of Georgia, if applicable. 

Please note that failure to provide the requested information within 30 days will be considered a failure to validate the debt, and I will consider the matter closed. Additionally, if you continue to report this unverifiable account to any credit reporting agencies, you may be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Monday XX/XX/2025 I was purchasing a watch from what I thought was a reputable business. The business is called XXXX. I was buying a watch replica. The business owner told me to send the funds via XXXX XXXX and told me to put loan in the for message part. I sent the money which was {$100.00} USD and {$5.00} USD for shipping. Immediately after sending the funds, the business blocked me and never shipped out my order. I reached out to my bank which is Wells Fargo just for them to deny my claim. I have plenty of proof to support my claim but they didnt even ask for proof.

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 2025-11-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is unlawfully publishing and perpetuating a materially false tradeline furnished by XXXX XXXX XXXX that it knowsor has every legal reason to knowis inaccurate, misleading, and legally expired. XXXX XXXX admits in its own correspondence that the account originated on XX/XX/XXXX and charged off XX/XX/XXXX, yet both XXXXXXXX XXXX and TransUnion continue to report Date Reported XX/XX/XXXX, making the debt appear active three years after charge-off. That is textbook re-aging in violation of FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ( a ) ( 4 ) ), 607 ( b ) ( 1681e ( b ) ), and 623 ( a ) ( 1 ) ( A ) ( 1681s-2 ). TransUnions transmission of this patently inaccurate data despite prior disputes and CFPB intervention constitutes willful and wanton disregard for statutory accuracy and reinvestigation obligations. 

XXXXXXXX XXXXXXXX own wordswe investigated and our reporting is accurateserve as the admission of the violation : they concede the charge-off date but continue furnishing later dates. TransUnion, as a nationwide consumer reporting agency, can not hide behind a furnishers boilerplate when the inaccuracy is evident on the face of its own file. By continuing to publish a last reported XXXX status, TransUnion knowingly extends a derogatory item beyond its lawful reporting period, misrepresents the age of the debt, and materially damages my credit standing. This conduct is not negligent ; it is a deliberate indifference to the FCRAs command of maximum possible accuracy. 

TransUnion has received multiple written disputes and a full CFPB record proving the re-aging scheme, yet it persists. Each additional monthly update in XXXX compounds liability. The bureau is now on notice : delete the tradeline immediately or face litigation exposure for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o. No further notice will be given.

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 2025-11-04 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: TX

Complaint narrative:
This is my second formal complaint against Equifax for continuing to report inaccurate, inconsistent, and unverifiable information after more than a year of disputes. 

Despite multiple disputes and documentation provided, Equifax has failed to maintain maximum possible accuracy as required by FCRA 607 ( b ) and has not conducted a reasonable reinvestigation as required under 611 ( a ). 

The XXXX accounts at issue are : XXXXXXXX XXXX Equifax continues to report this account as a collection/charge-off even though it has been closed and inactive for years. The Date Last Active, Date of Last Payment, and Last Reported dates conflict with the other bureaus, proving data inconsistency and failure to ensure accuracy. The reporting of a {$0.00} credit limit and ongoing derogatory status after closure is misleading and violates FCRAs accuracy standards. 
XXXX This account is marked as a charge-off and continues to reflect derogatory reporting even though it was disputed several times. The account still shows consumer disputes after resolution, meaning Equifax kept the account in dispute status but never corrected or deleted the unverifiable data. Dates of activity and payment history are inconsistent between bureaus, which clearly demonstrates that Equifax did not perform a proper reinvestigation under FCRA 611 ( a ) ( 1 ). 

Equifax has verified these tradelines multiple times without providing documentation from the furnishers or proof of actual investigation. This pattern of rubber-stamping disputes is a willful violation of the FCRA and has caused serious damage to my creditworthiness, including loss of credit opportunities and continued emotional and financial distress.

Company response to consumer: Closed with non-monetary relief