vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America credit card customer since XX/XX/XXXX. My account started with a {$1000.00} credit limit, which was gradually increased to {$20000.00} due to my responsible usage and consistent on-time payments. I have never missed a payment, always maintained a good payment history, and used my card actively. 
In XX/XX/XXXX, I updated my physical and mailing address after purchasing a new apartment. About one week after updating my address, my credit card account was suddenly closed without any prior notice or explanation. 
I immediately contacted Bank of America multiple times to understand the reason for this closure. However, every representative I spoke with was unable to provide any explanation or documentation regarding the decision. My account was in good standing, with no delinquencies or suspicious activity. 
This unexplained closure has negatively impacted my credit utilization ratio and could harm my credit score, despite my excellent payment record. I believe this action was unjustified and unfair, and I am requesting that the CFPB review this matter and ensure Bank of America provides a clear reason for the closure and corrective action if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: ID

Complaint narrative:
Due to a XXXX billing error, my address was incorrect in your system. I never received a single bill. 
I only discovered the past-due amount when it appeared on my credit report as a collection. 

I immediately contacted XXXX and was instructed to pay IC System IC System initially rejected my payment because they also had the wrong address. 
One week later we corrected the address and I paid the full balance the same day. 

I then contacted XXXX to request a goodwill deletion since the late payment was 100 % caused by XXXX 's address error and I paid immediately upon notification. 

XXXX refused, stating " you should have paid XXXX, not IC System '' even though XXXX explicitly told me to pay IC System.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The account is XXXX XXXX XXXX- ( XX/XX/XXXX ) ( {$840.00} ) There are also inquires that need to be removed as well and they are : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and remove the accounts from my credit report entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Iccording to FCRA section 605B it is illegal to port information on my credit report without y permission. Please remove this item from my credit report thank you. 
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 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint against the three major credit bureaus XXXX, XXXX, and TransUnion for failing to properly investigate and respond to my legitimate credit disputes. Despite multiple submissions explaining my situation, each bureau continues to send generic or automated responses without addressing the facts of my case.

Several months ago, I was misled by a debt collector and debt consolidation company who advised me to stop making payments on my credit cards as part of a supposed negotiation program. I later discovered that this was a scam. By the time I realized it, my accounts had gone delinquent and were charged off, causing serious damage to my credit.

Since discovering this fraud, I have tried to explain to the credit bureaus that the negative information on my reports resulted from this deceptive and misleading advice. However, each bureau has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Their responses appear automated and dismissive, providing no real review or explanation.

I am asking for the CFPBs assistance in ensuring the credit bureaus : Conduct a full and fair investigation of my disputes ; Remove or correct the inaccurate and misleading information caused by this situation ; Provide clear communication and documentation of their findings.

This issue has caused significant financial and emotional stress. I am steadily employed at XXXX XXXX XXXX, earning {$120000.00} annually, and am working hard to rebuild my financial standing. I simply want my credit reports to accurately reflect my situation and for the bureaus to fulfill their legal obligation to investigate disputes properly. 

Please investigate this matter and ensure that XXXX, XXXX, and TransUnion take appropriate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The accounts are : XXXX XXXX XXXX XXXX - ( {$1200.00} ) ( XX/XX/year> XXXX XXXX XXXX XXXX ( {$280.00} ) ( XX/XX/year> ). I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and remove the accounts from my credit report entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
XXXX'I am submitting my first formal dispute regarding multiple unresolved and inaccurate items \nappearing on my credit report. I have determined that several reported issues remain unresolved, \ninaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true \ncredit history and create a misleading portrayal of my financial reliability. \nPursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and related \nprovisions of the Fair Debt Collection Practices Act (FDCPA), I am demanding a comprehensive \nreinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all \nreported information is accurate, complete, and verifiable, or it must be corrected or removed \nimmediately. 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 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 non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding discrepancies on my credit report that do not accurately reflect my financial history. These inaccuracies are causing significant concern and may have serious implications on my personal and professional life. Despite my initial submission, the issues remain unresolved, and I urgently request that they be addressed.

Among the discrepancies are : A charge-off with XXXX ( Account # ending in XXXX ) showing a balance of {$460.00}, which I dispute. 
A charge-off with XXXX XXXX XXXX reflecting a {$0.00} balance, which is incorrect. 
An unauthorized inquiry from XXXX dated XX/XX/year>, which I did not authorize and have no record of applying for. 
I have always taken my financial obligations seriously, and it is crucial that my credit report accurately represents my true financial history. Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request verification of the information reported about me. According to FCRA 611 ( 15 U.S.C. 1681i ), any disputed information must be reasonably investigated and removed if found to be inaccurate. Furthermore, FCRA 623 ( 15 U.S.C. 1681s-2 ) establishes that furnishers of information must investigate and update records that are incomplete or unverifiable.The purpose of these protections, as stated in FCRA 602, is to ensure maximum accuracy, fairness, and privacy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
XXXX XXXX  formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX  credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, 1 am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NC

Complaint narrative:
I had a cashapp account years ago that was wrongfully closed due to what was deemed as fraudulent behavior, I believe that enough time has been allotted for that account to either be closed or another one to be opened as I have done here, and be able to use it for my day to day purchases. The app has allowed me to get as far as putting in my address to order a card when it says there is an unexpected error. I have requested the reasoning for the unexpected errors, and have gone through several, if not all, options of alleviating and disproving those methods to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy Court : Federal Reference # XXXX XXXX XXXX Bankruptcy XXXX : U.S. Bankruptcy Court Reference # 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 2025-11-07 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:
XXXX XXXX XXXX wrongly reported my XXXX XXXX XXXX XXXX XXXX ( XXXX account ending XXXX XXXX XXXXXXXX ) as late for XXXX and XX/XX/XXXXXXXX  even though my bank sent both payments on time. XXXX received the funds but misapplied them internally to the wrong XXXX account, then belatedly moved them on XX/XX/XXXXXXXX  after the phone call. Despite that, XXXX furnished late-payment information to Equifax/XXXX/XXXX, dropping my credit score by XXXX points. 
Key facts and timeline I have had automatic recurring XXXX XXXX  from XXXX XXXX since XX/XX/XXXXXXXX  for {$480.00} monthly to XXXX for this loan. 
XXXX XXXX shows payments sent XX/XX/XXXXXXXX  ( deliver by XX/XX/XXXX ) and sent XX/XX/XXXX ( deliver by XX/XX/XXXX ). See XXXX XXXX 
On XX/XX/XXXX, a XXXX representative called saying my account was 63 days past due. During that call, the rep checked and confirmed XXXX had received the payments but they were not applied to my loan. She then applied both payments that day ( XX/XX/XXXX ). See XXXX XXXX 
My credit reports now show a 30-day late for at least one of those months, causing a major score to drop. See XXXX XXXX 
I made no changes to payee, account numbers, or routing. The setup has been unchanged and on time for years. Money was already in XXXX 's possession before the due date. 
Why this violates the law As a furnisher, XXXX must report with maximum possible accuracy and must not furnish information it knows or has reasonable cause to believe is inaccurate ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
Once notified of a dispute by a credit bureau, XXXX must conduct a reasonable investigation, correct and update results to all bureaus ( 1681s-2 ( b ) ). 
When a consumer sends a direct dispute, furnishers must investigate and correct under 12 C.F.R. 1022.43. 

Attachments XXXX. A XXXX XXXX XXXX XXXX confirmations ( showing amounts and delivery dates ). 
XXXX. XXXX XXXX loan transaction history showing XX/XX/XXXXXXXX  credits of {$480.00} XXXX. 
XXXX. XXXX Credit report/alert reflecting late-payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX wrongly reported my XXXX XXXX XXXX XXXX XXXX ( XXXX account ending XXXX XXXX XXXXXXXX ) as late for XXXX and XX/XX/XXXX even though my bank sent both payments on time. XXXX received the funds but misapplied them internally to the wrong XXXX account, then belatedly moved them on XX/XX/XXXX after the phone call. Despite that, XXXX furnished late-payment information to XXXX/Experian/XXXX, dropping my credit score by XXXX points. 
Key facts and timeline I have had automatic recurring XXXX XXXX  from XXXX XXXX since XX/XX/XXXXXXXX  for {$480.00} monthly to XXXX for this loan. 
XXXX XXXX shows payments sent XX/XX/XXXXXXXX  ( deliver by XX/XX/XXXX ) and sent XX/XX/XXXX ( deliver by XX/XX/XXXX ). See XXXX XXXX 
On XX/XX/XXXX, a XXXX representative called saying my account was 63 days past due. During that call, the rep checked and confirmed XXXX had received the payments but they were not applied to my loan. She then applied both payments that day ( XX/XX/XXXX ). See XXXX XXXX 
My credit reports now show a 30-day late for at least one of those months, causing a major score to drop. See XXXX XXXX 
I made no changes to payee, account numbers, or routing. The setup has been unchanged and on time for years. Money was already in XXXX 's possession before the due date. 
Why this violates the law As a furnisher, XXXX must report with maximum possible accuracy and must not furnish information it knows or has reasonable cause to believe is inaccurate ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
Once notified of a dispute by a credit bureau, XXXX must conduct a reasonable investigation, correct and update results to all bureaus ( 1681s-2 ( b ) ). 
When a consumer sends a direct dispute, furnishers must investigate and correct under 12 C.F.R. 1022.43. 

Attachments XXXX. A XXXX XXXX XXXX XXXX confirmations ( showing amounts and delivery dates ). 
XXXX. XXXX XXXX loan transaction history showing XX/XX/XXXXXXXX  credits of {$480.00} XXXX. 
XXXX. XXXX Credit report/alert reflecting late-payment 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 explanation