vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns Bank of America ( Account ending in XXXX ), which continues to report inaccurate and outdated charge-off information to XXXX  and XXXX  after XXXX  has already deleted it. 
The account was closed on XX/XX/XXXX. However, XXXX  ( updated XX/XX/XXXX ) and XXXX  ( updated XXXX ) still report a {$1200.00} balance, Profit and Loss Write-Off, and Dispute resolved subscriber disagrees, along with false derogatory marks for XXXX. 
I submitted disputes to all bureaus, and Equifax confirmed deletion. XXXX XXXX XXXX confirmed BoA as the furnisher-of-record ( Case ID XXXX ), but XXXX  confirmed that it can not locate any Bank of America data . 
These facts show violations of FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 2 ). 
Please require Bank of America to immediately DELETE/SUPPRESS this tradeline across all CRAs ( XXXX, XXXX, XXXX, XXXX ) and provide written confirmation of XXXXXXXX XXXXs, dates, and response codes.

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 2025-10-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to Experian regarding multiple inaccurate and unverifiable accounts appearing on my credit report, including : XXXX XXXX XXXX reporting late payments on a closed, paid account. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting multiple student loan accounts with XXXX  day late notations and inconsistent balances. 
My original letter cited specific provisions of the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and demanded a proper reinvestigation and deletion of unverifiable data. 
On or about XX/XX/year>, Experian sent dispute results claiming the XXXX XXXX account was verified as accurate and that the XXXXXXXX XXXX XXXXXXXX accounts were updated. However, Experian failed to provide any documentation, evidence, or explanation of how these items were verified, nor did they comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires disclosure of the method of verification. 
Because Experian failed to comply with the law or provide supporting verification, I submitted a second ( Round XXXX ) written dispute reiterating the same FCRA violations and demanding full compliance or deletion of the accounts. 
Despite the second notice, Experian has still not provided any documentation, contracts, or records showing verification from the data furnishers. They have merely continued to report the same inaccurate information without performing a reasonable reinvestigation as required by 1681i ( a ) ( 1 ) ( A ). 
Merely forwarding disputes through the e-OSCAR system and relying on automated responses from furnishers does not constitute compliance with the FCRA. By continuing to report unverifiable information after multiple written disputes, Experian has willfully violated the following provisions of the law : 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 1681e ( b ) Failure to assure maximum possible accuracy 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification 1681i ( a ) ( 5 ) Failure to delete unverifiable information I am filing this complaint because Experian has ignored both my initial and follow-up disputes, failed to produce any evidence of verification, and continues to report inaccurate information in violation of federal 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is reporting an inaccurate account on my XXXX, XXXX  and XXXX  report. I requested validation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, but they failed to provide proof. I am requesting deletion of this unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding ongoing issues of fraudulent activity and account mishandling associated with my XXXX Citibank Visa card. Over time, multiple unauthorized charges have appeared on my account. Each time I reported these charges, Citibanks fraud department opened an investigation, closed the compromised account, and issued a new card. 

Despite these measures, fraudulent transactions continued to occur. On XXXX occasion, unauthorized charges were made on a replacement card that I never activated. Due to repeated issues and the lack of a permanent resolution, I made the decision to close my account entirely. After the account closure, an additional unauthorized charge was processed, and Citibank is now attempting to hold me responsible for that post-closure transaction. 

I have acted in good faith by promptly reporting all fraudulent activity and cooperating fully with each investigation. I am requesting that the CFPB review this matter and ensure that Citibank does not hold me liable for any unauthorized transactions, particularly those made after the account was officially closed and on an unactivated card.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my credit card account without notification ( they claim they sent me a letter but I never received it ). After XXXX  days, Chase removed XXXX Chase points from my closed account. Because I was unaware of the account closure, I did not have the opportunity to transfer or use the points. 

I am requesting for full reinstatement of the XXXX Chase points. 

Chase Case # : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates is attempting to collect and has reported a medical debt on behalf of XXXX XXXX XXXX XXXX, a third-party billing company used by XXXX XXXX XXXX The debt allegedly stems from an emergency room visit on XX/XX/year>. 

I maintain that this account was improperly billed and unlawfully reported due to an insurance processing failure outside of my control. At the time of service, I had active health insurance coverage, which should have been billed by the provider. However, XXXX XXXX XXXX XXXX claims they never received my insurance information and subsequently sent billing statements to my residence none of which I received. Without verifying coverage or validating the debt, the account was forwarded to Wakefield & Associates for collection and later reported to the credit bureaus. 

I contacted both Wakefield & Associates and XXXX XXXX XXXX XXXX to request validation and itemization of the debt, as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Neither party provided proper verification or documentation explaining the nature and validity of the charges. 

Furthermore, by reporting this disputed and unverified debt to the credit bureaus, Wakefield & Associates may have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishers from reporting inaccurate or unverifiable information once a consumer dispute is raised. 

Because the alleged balance is the result of a billing and insurance error not nonpayment and because proper validation was never provided, this collection should not appear on my consumer credit reports under any permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: DISCOVER BANK
State: MN

Complaint narrative:
merchant is XXXX XXXX items got delivered on XX/XX/year> i wasnt home to retrieve the items nor was i home to accept a reshipment so i disputed with my credit card discover which is a awful mistake i regret even buying XXXX dollars worth of stuff using discover knowing i own multiple amex cards but anyways there siding with the merchant and and are telling me to dispute it with fedex for leaving an item that valuable without any signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I attempted to open a purchase protection claim for my Citi XXXX XXXX credit card benefit on XX/XX/2025, through the Citi insurance administrator listed for this card benefit ( XXXX XXXX XXXX ). 

When I contacted the insurance company, I was told they were unable to locate my account information, even though my Citi XXXX XXXX card was active, open, and in good standing at the time. I verified that all my payments were current and no issues had been reported on my account. 

Over the next several days, I made multiple follow-up calls to both Citi and the insurance company to resolve the issue so I could proceed with my claim. While I was in this processand before the claim could be filedCiti closed my credit card account without warning, explanation, or notice. All payments were made on time, and there was no reason given for the closure. 

Because Citi closed my account, the insurance company was unable to verify that I was an eligible cardholder. As a result, I was prevented from submitting or completing my purchase protection claim, effectively denying me access to a card benefit that was clearly advertised and available when the purchase was made. 
It appears that Citis closure of my account interfered directly with my ability to use a valid benefit associated with my credit card. I believe Citi and/or its insurance administrator mishandled my claim, provided inconsistent information, and wrongfully closed my account, causing financial harm and loss of the advertised protection benefit. 

I attach recordings of my XXXX recent calls to Citi customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed an inaccurate account on my credit report with [ name of bureau ] on [ date ]. The item was marked as verified without a proper investigation or documentation. 
I am requesting that the CFPB review this matter, as I believe the credit bureau and furnisher failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which require reasonable investigation and verification. 
The furnisher has not provided any evidence proving the accuracy or ownership of this account. I am requesting that this item be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * SYNCB/LOWES * * Regarding : * * SYNCB/LOWES, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way SYNCB/LOWES is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by SYNCB/LOWES - The account reported positively for a period of time. 

- After I became delinquent, SYNCB/LOWES charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 

XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-10-29 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-29 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank refuses to remove a XXXX late mark for {$7.00} even though I never received notice and corrected it immediately. Ive been a loyal customer for years with perfect payment history. I requested a goodwill adjustment, but the bank stated it was illegal to remove it, which is incorrect its at their discretion. Im asking for a one-time correction as a courtesy. 
In XX/XX/year>, a late payment of only {$7.00} was reported on my account. My excellent credit report has been affected due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-10-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This is regarding a debt over a decade old that was XXXX and deleted from my credit report. 
I have already wrote to this debt collector XXXX XXXX on behalf of the original creditor Navy Federal Credit Union a cease yo desist and notified them of my SSD income status also. Now on XX/XX/year>, they have decided to start back harassing through social email asking for money since my credit score went up thinking that I have forgotten all about the cease letter that I wrote to them previously about this decade old debt that was charged off and deleted from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation