vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX credit card account that was restricted over a year ago and later placed in collections. XXXX XXXX and I entered into a settlement agreement to resolve the account for approximately 50 % of the original balance. 

I made over {$3200.00} in payments toward this agreement. However, XXXX XXXX has failed to credit these payments, has not acknowledged the settlement, and continues to handle the account as if no agreement was made. Despite written communication from me describing this issue, XXXX XXXX has offered no resolution, and its representatives have provided false and misleading information about the terms and status of the account. 

I am also reporting this issue to the credit bureaus ( Experian, TransUnion, and Equifax ), as the account is still being reported in a manner that does not reflect the actual payment activity or settlement terms. The continued reporting of this account is inaccurate, incomplete, and misleading, and is in violation of my rights under federal law. 

Violations ( XXXX XXXX ) : XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Failure to properly credit payments and respond to written billing disputes. 

XXXX. Consumer Financial Protection Act ( CFPA UDAAP ) 12 U.S.C. 5531 Deceptive, unfair, and abusive practices through mishandling of funds, false representations, and non-performance of the settlement agreement. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Providing inaccurate, outdated, or incomplete information to credit bureaus, and failing to correct or update reporting after a dispute. 

XXXX. Breach of Contract ( Common Law ) Accepting payment on a settlement agreement and failing to fulfill its terms. 

Violations ( Credit Bureaus ) : FCRA 15 U.S.C. 1681i and 1681s-2 ( b ) : If the bureaus are continuing to report this account after being notified of the dispute and settlement, they are failing to reasonably investigate and are furnishing inaccurate information. 

If any bureau fails to block or remove the item after a valid dispute and documentation, this may further violate FCRA provisions regarding investigation procedures and consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I recently noticed several hard inquiries appearing exclusively on my XXXX credit report, which I do not recognize or recall authorizing. These inquiries are not reflected on my XXXX XXXX XXXX  reports, which raises concerns regarding their legitimacy and accuracy. I have no knowledge of these inquiries and did not give consent for my credit information to be accessed. I request that XXXX thoroughly investigate these unauthorized inquiries and remove any entries that can not be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: U.S. BANCORP
State: IL

Complaint narrative:
I recently noticed several hard inquiries appearing exclusively on my TransUnion credit report, which I do not recognize or recall authorizing. These inquiries are not reflected on my XXXX XXXX XXXX reports, which raises concerns regarding their legitimacy and accuracy. I have no knowledge of these inquiries and did not give consent for my credit information to be accessed. I request that TransUnion thoroughly investigate these unauthorized inquiries and remove any entries that can not be verified or validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard. 
I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. 
If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard. 
I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. 
If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I'm receiving calls about accounts that do not belong to me. XXXX a little concerned about what else may be on my report. I will be checking as soon as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I have disputed the bankruptcy reporting on my Experian credit report several times with Experian. They continue to tell me this account has been verified without providing any of the above information to me. I contacted XXXX XXXX and the bankruptcy could not be verified and is not being reported on any of XXXX XXXX account or my transunion and equifax account. Experian has refused to remove the bankruptcy from my account.I have reopened a dispute with XXXX XXXX regarding the incorrect information being reported by Experian. They have sent this information to Experian several times but Experian will not remove the bankruptcy from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : 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 2025-04-17 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: VA

Complaint narrative:
I'm receiving calls about accounts that do not belong to me. XXXX a little concerned about what else may be on my report. I will be checking as soon as I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I'm receiving calls about accounts that do not belong to me. XXXX a little concerned about what else may be on my report. I will be checking as soon as I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX and XXXX were stolen from me. I would later see a transaction for {$2100.00} at XXXX with XXXX Bank of America credit cards I would send in a dispute for the transaction. They investigated the situation and deemed that since my phone was used a verified device that my claim was denied. The thief saw my passcode and changed my password and purchased products with the apple pay feature of my card. 

I would later speak to someone at XXXX and was told that Bank of America did not even investigate through them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

XXXX legal action for your violations of FCRA Section XXXX and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX BANK XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, Georgia XXXX XX/XX/year> XXXX XXXX XXXX. XXXX XXXX XXXX, NV XXXX Subject : Request for Charge-Off Removal Under XXXX Code XXXX Dear Kikoff Marketplace, I am writing this letter as a formal request for the immediate removal of the charge-off status related to my Kikoff Credit Account [ Account Number ], which has been reported on my credit file. My name is XXXX XXXX XXXX, living man, and I am invoking my legal rights under the following sections of the United States Code. 
XXXX. Section 1099-C : According to the Internal Revenue Code, a creditor must issue a Form XXXX when they have canceled or forgiven a debt. I request clarification on whether this account has been marked as forgiven and whether it was reported as a charge-off for tax purposes. 
2. 15 U.S.C. 1666b : This statute mandates that a creditor or debt collector must notify the consumer of any charge-off status. As per this regulation, I am requesting a detailed explanation and verification of the charge-off, including a breakdown of the steps leading to this action.

3. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I am requesting a formal investigation into the accuracy of the charge-off on my credit report. If any errors are found during the investigation, I request that the charge-off be removed.

4. 15 U.S.C. 1681s-2 : As per this provision, I request that any inaccurate or incomplete reporting of this account be corrected or removed from my credit report to ensure compliance with the Fair Credit Reporting Act.

In exchange for my full payment of the balance on this account, I respectfully request that the charge-off status be removed from my credit report. The removal of this entry would more accurately reflect my current financial situation and allow me to make positive strides in rebuilding my credit.

I kindly request a written response within 15 days acknowledging receipt of this letter and confirming the removal or correction of this entry. If this issue is not resolved in a timely manner, I will seek further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please contact me at XXXX ( XXXX ) XXXX or XXXX should you require any further information or documentation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
My account with EQUIFAX 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.

EQUIFAX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
As of my most recent credit report dated XX/XX/XXXX, Experian is reporting multiple XXXX delinquencies for the following Department of XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX accounts are currently in good standing with both TransUnion and Equifax, reporting as Pays as agreed. However, Experian is reporting these accounts as " 90 days late '' as of XX/XX/XXXX. This reporting directly violates the Department XXXX XXXX federally mandated on-ramp protections from XX/XX/XXXX, through XX/XX/XXXX, which explicitly state that missed payments during this period should not be reported as delinquent.Furthermore, I never received proper notice, billing, or disclosures as required under the E-SIGN Act, and I did not consent to receive electronic billing notifications in place of mailed notices. This is a clear violation of federal consumer protections under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX in Global and National 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 non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} AFFIRM XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} UPGRADE XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$6300.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

Company response to consumer: Closed with explanation