vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint Against Bank of America Unfair Credit Reporting and Automatic Payment Cancellation I am writing to formally file a complaint against Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, regarding misleading and unfair practices related to their automatic payment program. 

When I first opened my credit card account with Bank of America in XXXX, I contacted their customer service to enroll in their automatic payment service. A representative guided me through the process, and I was successfully enrolled. At no point was I informed that my enrollment in automatic payments would expire after 12 months if I did not have a checking or savings account with Bank of America. 

On XX/XX/XXXX, I received a notification from XXXX alerting me to negative reports on my credit history. Upon immediately contacting Bank of America, I was told that my automatic payments had been canceled due to the 12-month expiration rule. I was never notified of this policy when I originally enrolled, nor was I given any warning before my automatic payments were discontinued. As a result, my credit score has suffered, negatively impacting my ability to access credit. 

Additionally, when I requested that Bank of America reverse the negative reporting to the credit bureaus and waive the late feesgiven that I had already brought the account currentthey refused to assist. Despite the fact that I did not request to be removed from automatic payments, Bank of America has refused to correct this issue, which I believe is both deceptive and harmful to consumers. 

Desired Resolution : I am requesting that Bank of America : XXXX. Remove the delinquency reports from my credit history with all major credit bureaus. 
XXXX Credit back any late fees applied due to their failure to notify me of the automatic payment expiration. 

I believe these are reasonable requests given the circumstances. I trusted Bank of America to uphold fair and transparent practices, and their failure to inform me of this policy has directly harmed my credit. I appreciate the XXXX assistance in resolving this matter and look forward to your response. 

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 monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I received XXXX ( XXXX ) letters from LVNV Funding stating that I owed a debt that I have heard nothing about in 5 years. In doing the research on LVNV Funding, the firm LVNV Funding is a 3rd party XXXX for the company called Resurgent, whom I have heard nothing from. Neither LVNV nor Resurgent are licensed in Arkansas as a XXXX XXXX. Under Arkansas law, any collections firm must be licensed by the 17-24-301. Unless licensed by the State Board of Collection Agencies under this subchapter it is unlawful to : ( XXXX ) Engage in the collection of delinquent accounts, bills, or other forms of indebtedness ; ( XXXX ) Use a fictitious name or any name other than their own in the collection of their own accounts receivable ; ( XXXX ) Solicit claims for collection ; or ( XXXX ) Purchase and attempt to collect delinquent accounts or bills. 

My question is this : how do I protect myself from this LVNV or Resurgent? I need your help quickly as I have just now found all the above information. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unauthorized hard inquiry that appeared on my credit report without my consent. The inquiry was made by XXXX XXXX XXXXXXXX, and I did not authorize this company to access my credit file. 

Details of the Issue : Company Involved : XXXX Date of Inquiry : XXXX Credit Bureau Reporting the Inquiry : XXXX XXXX Equifax Actions Taken : Contacted the Credit Bureau I submitted a dispute with XXXX & Equifax requesting removal of the unauthorized inquiry.

Contacted XXXX I attempted to reach out to the company to verify the inquiry and request its removal, but did not receive a response. 
No Resolution Despite my efforts, the inquiry remains on my credit report, negatively affecting my credit score.

Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o, companies that obtain or use a consumers credit report without proper authorization are liable for negligent noncompliance. Since I never provided written consent for this inquiry, it constitutes a violation of my rights under the FCRA. 

Thank you for your time and assistance in resolving this matter. Please keep me updated on the status of my complaint.

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 2025-03-29 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: GA

Complaint narrative:
DID NOT GIVE PERMISSION TO REPORT THIS INFO TO MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AK

Complaint narrative:
I am disputing a background check report issued by First Advantage Background Services Corp. They included adverse information in my report that is outdated, misleading, and does not reflect any criminal conviction. 

Specifically, they reported an old XXXX exclusion and a XXXX indictment that did not result in a conviction. This misrepresentation has continually caused me to be denied employment. The Fair Credit Reporting Act requires accuracy and proper context, and this report violated both. 

I filed a formal dispute with First Advantage and submitted a cease and desist, yet they have not removed or corrected the inaccurate information. This is causing harm to my employment opportunities and reputation. 

I am requesting the CFPBs help to enforce my rights and require First Advantage to immediately remove or correct the misleading information in compliance with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$880.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$1200.00} Date Opened : XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$880.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$1200.00} Date Opened : 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 2025-03-29 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
XX/XX/year> XXXX REPORTED A 90 DAY LATE PAYMENT TO MY CREDIT REPORT never talk to me to set up a payment plan, failed to contact me through mail or email notifying a payment was due failed to notify they took over my loan through great lakes reported a late payment I disputed with all three of the credit bureaus and XXXX, but the late payment remains without proper validation or documentation. The credit bureaus must perform a reasonable investigation within 30 days neither of them has provided sufficient evidence to support the negative 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 non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
XX/XX/year> XXXX REPORTED A 90 DAY LATE PAYMENT TO MY CREDIT REPORT never talk to me to set up a payment plan, failed to contact me through mail or email notifying a payment was due failed to notify they took over my loan through great lakes reported a late payment I disputed with all three of the credit bureaus and XXXX, but the late payment remains without proper validation or documentation. The credit bureaus must perform a reasonable investigation within 30 days neither of them has provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NY

Complaint narrative:
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed * XXXX  XXXX XXXX  XXXX XXXX * XXXX  XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Kriya Capital, LLC
State: GA

Complaint narrative:
The information that is reporting from CREDENCE RM is a violation of the Fair Credit Reporting Act. Information is inaccurate on account XXXX in the amount of {$98.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Was not sent a letter in the mail. Was not contacted by email. Was sent a text that only had a link and had no information about what debt theyre trying to collect. It says on my XXXX XXXX that they opened it in XX/XX/year> of last year but I havent received anything except weird texts with a link and I only started receiving those texts in on XX/XX/XXXX of this year. My XXXX XXXX says I owe them XXXX but does not tell me what company I owe money to that sent it to collections. The debt collection agency has given me no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Self Financial Inc.
State: FL

Complaint narrative:
i have items reported on my report that have been inaccurate since XXXX and have disputed numerous of times most recently i sent over another dispute long with this XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Ongoing Issue Dear XXXX Disputes Department, I am writing to formally dispute the inaccurate information that remains on my credit report. Despite my previous attempts to resolve these issues, incorrect information has not been removed, and the problem persists. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate and resolve consumer disputes, resulting in the continued reporting of inaccurate data. I am currently facing the same issues that the CFPB highlighted in its case against XXXX. Specifically, I am disputing the following inaccurate information in my credit report : I have previously disputed these inaccuracies, but despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate these issues thoroughly and correct errors, the information has not been rectified. 
As outlined in the CFPB lawsuit, XXXX has been found to neglect its responsibility in conducting fair and proper investigations into consumer disputes. I expect XXXX to adhere to the law, including your obligation to remove any inaccurate or outdated information from my credit report. 
I request that you immediately reinvestigate these disputed items and provide me with confirmation that the inaccuracies have been corrected. As per the FCRA, I am entitled to an updated copy of my credit report reflecting these corrections. 
Please be advised that, according to the law, you are required to complete the reinvestigation and notify me of the results within 30 days of receiving this dispute. 
I trust that XXXX will take the necessary steps to rectify this issue promptly, as I have already been impacted by these inaccurate entries for an extended period. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To it may concern, This item was purchased by a Third Party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owe by the Third Party Debt Collector. Here is the account name and number for reference and incorrect amount. 
Capital One account # XXXX amount {$1300.00} How much did the collection company pay for this item? i don't know and neither does my credit report reflect such amount. This is a violation the FCRA as this is not accurate or complete.

Company response to consumer: Closed with explanation