vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America had bank error where they took {$4000.00} out of my acct when it should have been from another customer acct- they claimed check fraud but it was in fact a bank error as my acct # was not listed on the check. I needed funds immediately to pay for emergency funds and Bank refused to issue me a temporary credit claiming that I had to wait XXXX business days. no sense of urgency around fixing the issue and getting me a temp credit even when it was clearly a bank error.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX USC XXXX. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-10-31 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX U.S.C. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX U.S.C. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation XXXX  ( XXXX ). I am requesting a full investigation and removal of any entries that can not be verified with proper documentation. Please see the following accounts in dispute : Accounts in Dispute XXXX. XXXX XXXX XXXX {$2100.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( inaccurate reporting ), FCRA XXXX ( a ) ( XXXX ) ( A ) ( failure to investigate ), FCRA XXXX ( b ) ( XXXX ) ( C ) ( failure to correct after dispute ). 
XXXX. XXXX XXXX MANAGEMENT {$860.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( incorrect payment history ), FCRA XXXX ( a ) ( XXXX ) ( A ) ( failure to verify ), FDCPA XXXX ( XXXX ) ( false representation of debt status ). 
XXXX. XXXX XXXX MANAGEMENT {$110.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( incorrect reporting ), FCRA XXXX ( a ) ( XXXX ) ( A ) ( failure to investigate ), FCRA XXXX ( b ) ( XXXX ) ( C ) ( failure to update or correct ). 
XXXX. XXXX XXXX XXXX {$1100.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( failure to report accurately ), FCRA XXXX ( a ) ( failure to investigate dispute ), XXXX XXXX XXXX XXXX ) ( incorrect status codes ). 
XXXX. XXXX {$19.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( incorrect reporting of account status ), FCRA XXXX ( b ) ( XXXX ) ( C ) ( failure to update information ). 
XXXX XXXX XXXX XXXX XXXX {$260.00} ( Opened XX/XX/XXXX ) Violations : FCRA XXXX ( b ) ( incorrect payment status ), FCRA XXXX ( b ) ( XXXX ) ( C ) ( failure to correct after dispute ), FCRA XXXX ( a ) ( XXXX ) ( A ) ( failure to investigate ). 
Legal References & Basis for Dispute XXXX. FCRA XXXX ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate. 
XXXX. FCRA XXXX ( b ) ( XXXX ) ( C ) : Requires furnishers to correct any inaccurate information within XXXX  days after being notified of a dispute. 
XXXX. FDCPA XXXX ( XXXX ) : Prohibits XXXX from reporting false or misleading information about a debt. 
XXXX. Reg XXXX  ( XXXX ) : Mandates that CRAs report accurate status codes and update account information following dispute resolutions.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX USC XXXX. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Talked with Bank of America about bill pay not paying my due amount. First they said I had not used that credit card in a while and that my bank pay information may have fallen off my account. Then they said that they had changes in their system in XXXX and my bank information may have gotten deleted?! 
I am XXXX XXXX XXXX and HAD excellent credit for the past XXXX  years and now, because of this problem, my credit score has been reduced by XXXX points and this problem could take 7 years to be removed??!! Please help!!!

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 2025-10-31 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: MA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to formally dispute the following accounts and inquiries that are inaccurately reported on my credit report. I request that these items be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ) guidelines. 

XXXX. Charged-Off Accounts The following accounts are inaccurately reported as charged-off and I request their immediate removal or correction : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is inaccurately reported as charged-off. There is no record of any missed or late payments. I request that this account be removed or updated to reflect its true status. 

XXXX  LOAN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is incorrectly reported as charged-off. There were no delinquencies or negative reporting on this account, and I request it be deleted or corrected. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is erroneously listed as a charged-off account. It was settled, and I request its removal from my credit file. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Dispute Reason : This account is reported as charged-off ; however, it was not. I request that this account be removed or updated with accurate information. 

XXXX. Unauthorized Inquiries The following inquiries were made without my authorization, and I request that they be removed from my credit file : XXXX  Date of Inquiry : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. Please remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/year> with a balance of {$4500.00}. Please verify and provide the correct status for this account. 

Inquiries : There are no specific inquiries listed for Experian in this case. 

Late Payments : XXXX  XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please investigate and provide a corrected status. 

XXXX  XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct this entry.

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 2025-10-31 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I enrolled in the XXXX program, which partnered with Climb Credit for financing. I withdrew from the program after a few weeks and was told in writing by XXXX that once I paid my withdrawal fee ( {$850.00} ), XXXX would buy back my loan from Climb and cancel it before any payments were due. I paid my fee in full and followed all instructions. 

XXXX has since informed me that they are in foreclosure and have limited funds, and that they previously asked Climb to release fellows from their loans. However, Climb has told me that they have not received any refund or buyback payment from XXXX and therefore continue to consider my {$20000.00} loan active. Both Pathrise and Climb are deflecting responsibility to XXXX another. 

I have requested that Climb provide formal documentation of any recovery efforts or claims filed against XXXX, place my account in administrative hold, and confirm that my credit report will not be affected while this is under review. They have not provided that documentation or assurance. 

This situation has placed me in the middle of a dispute between XXXX and Climb over funds that were never in my possession and for services that were not rendered. I should not be held financially or creditwise responsible for a loan that XXXX failed to fulfill or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-31 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: DAS ACQUISITION COMPANY, LLC
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX. During the time that I was XXXX, I was under the control of individuals who used force, fraud, and coercion to exploit me. I had no real freedom to make my own choices. My XXXX  used threats, psychological manipulation, and violence to maintain control over me. 
While I was being XXXX, the XXXX  used my personal information and identity to open and use various financial accounts without my consent. These included [ credit cards, bank accounts, loans, phone contracts, etc. ]. I did not authorize these accounts, nor did I receive any benefit from them. The debts and negative credit history that resulted from these fraudulent actions have caused me severe hardship and continue to affect my ability to rebuild my life

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 2025-10-31 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: NJ

Complaint narrative:
I kindly ask Equifax to review the following disputed items and verify the accuracy of the reported information. These accounts appear to be inaccurately reported, and I would appreciate your prompt attention to this matter. 

Charged Off Accounts : XXXX  XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} ) Late Payment Accounts : XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX  XXXX ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX XXXX ( Account : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains multiple inaccurate and unauthorized entries that have negatively affected my credit profile. Despite my consistent efforts to maintain good credit standing, several accounts and inquiries are being reported incorrectly and without my authorization. 

The first issue involves XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX, which is being reported as a charge-off account. I have no knowledge of this account ever being charged off, and this information is entirely false. This inaccurate reporting has caused unnecessary damage to my creditworthiness. 

The next issue concerns XXXX XXXX account number XXXX * * * * * * * *, which is showing a late payment. This is incorrect, as I have never made any late payments on this account. The reporting of a late payment is misleading and does not reflect my true payment history. 

Additionally, there are several unauthorized credit inquiries appearing on my report. These include XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I did not authorize or initiate any of these inquiries. These inquiries were made without my consent, and they violate the Fair Credit Reporting Acts provisions regarding permissible purpose and consumer authorization. 

These inaccuracies and unauthorized actions have caused significant harm to my credit profile and peace of mind. I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that TransUnion conducts a full reinvestigation in compliance with the Fair Credit Reporting Act. 

My fair resolution request is for all unverifiable and unauthorized information, including the charge-off, the false late payment, and the unauthorized inquiries, to be permanently deleted from my TransUnion credit 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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief