vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am very sorry for this complaint, in reality, I would have called the previous representative had they provided me with XXXX  XXXX XXXX standard CFPB acknowledgment. While my payment has reduced, not to what the agent claimed it would, and I havent received the promised response XXXX weeks later. Thats not the actual reason for this complaint however. On a review of my records, I noticed something excessively odd. According to a XXXX search, the number I was contacted from and asked to call seem to be used exclusively for scams and are not affiliated with Bank of America. I did find it odd Bank of America would offer a service to negotiate lower payments with other institutions, odder that theyd honestly be offering it up to people over a missed payment, but the person speaking seemed to have access to all my account details including those regarding my recent CFPB complaints and didnt ask for much in the way of personal information beyond basic verification. Its almost as if they were calling specifically to give me an easy out with all of the credit card issues XXXX currently experiencing ( see attachments ). Interestingly enough, I was disconnected from the first representative after answering all their questions and informing them I wasnt interested in the service for other institutions. I had to call back and answer all the questions again. Would it be possible for Bank of America to let me know if XXXX and XXXX are used by Bank of America? Has Bank of America lowered my payment? If at all possible, could you not use the method you used previously as I still havent received the response. Given my issues ( see attachments ), privacy above and beyond the secure message center that has worked previously is the least of my concerns.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment entries reported on my Experian credit file by XXXX XXXX XXXX  Car ( account ending in XXXX ), XXXX XXXX XXXX ( account ending in XXXX ), and XXXX XXXX XXXX ( account ending in XXXX ). These entries include late dates ranging from XX/XX/XXXX to XX/XX/XXXX. I firmly dispute these entries, as they are not the result of any failure on my part to make timely payments. Instead, they stem from internal reporting errors by the furnishers themselves. 

I formally raised this dispute with Experian, citing my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under XXXX, Experian is required to conduct a reasonable reinvestigation of disputed information and delete or correct any data found to be inaccurate, incomplete, or unverifiable. Additionally, under XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experian has not removed the erroneous entries or provided sufficient verification. 

In my dispute, I requested that Experian delete all inaccurate late payment entries, disclose the name and credentials of the individual who verified the entries, explain the exact method of verification used ( including access logs or documents reviewed ), and provide copies of any records that support the claim that my payments were actually late. To date, these requests have not been adequately addressed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that Experian and the furnishers comply with the FCRA. These entries are unverifiable and must be deleted. If this inaccurate reporting is not corrected within the statutory period, I intend to pursue all available remedies under FCRA XXXX and XXXX, including monetary damages for willful or negligent noncompliance.

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 2025-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-12 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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 2025-08-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-12 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:
I am submitting this complaint regarding inaccurate late payment entries reported on my Equifax credit file by XXXX XXXX XXXX  Car ( account ending in XXXX ), XXXX XXXX XXXX ( account ending in XXXX ), and XXXX XXXX XXXX ( account ending in XXXX ). These entries include late dates ranging from XX/XX/XXXX to XX/XX/XXXX. I firmly dispute these entries, as they are not the result of any failure on my part to make timely payments. Instead, they stem from internal reporting errors by the furnishers themselves. 

I formally raised this dispute with Equifax, citing my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under XXXX, Equifax is required to conduct a reasonable reinvestigation of disputed information and delete or correct any data found to be inaccurate, incomplete, or unverifiable. Additionally, under XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifax has not removed the erroneous entries or provided sufficient verification. 

In my dispute, I requested that Equifax delete all inaccurate late payment entries, disclose the name and credentials of the individual who verified the entries, explain the exact method of verification used ( including access logs or documents reviewed ), and provide copies of any records that support the claim that my payments were actually late. To date, these requests have not been adequately addressed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that Equifax and the furnishers comply with the FCRA. These entries are unverifiable and must be deleted. If this inaccurate reporting is not corrected within the statutory period, I intend to pursue all available remedies under FCRA XXXX and XXXX, including monetary damages for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I am submitting this complaint against Equifax for its failure to accurately report and investigate multiple late payment entries on my credit report. I formally disputed these entries, which I believe are the result of internal posting or transmission errors by the furnishers. Despite my request for a thorough reinvestigation, Equifax has not corrected the inaccuracies, nor has it provided adequate documentation to support its continued reporting of these derogatory marks. 

The accounts in question include XXXX XXXXXXXX XXXX XXXXXXXX ( account ending in XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported late payment dates span from XX/XX/XXXX through XX/XX/XXXX and include numerous months that I believe were inaccurately recorded. These entries are not only incorrect but also unverifiable, and I have reason to believe they stem from furnishers internal reporting errors rather than actual delinquency on my part. 

In my dispute letter to Equifax, I requested the removal of all incorrect late payment entries, identification of the individual who verified these entries, the exact method of verification used, and copies of any records relied upon to substantiate the claim that these payments were late. Equifax is required under the Fair Credit Reporting Act ( FCRA ) 1681i to conduct a reasonable reinvestigation of disputed information and to correct or delete any data found to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 

Equifaxs failure to comply with these provisions constitutes willful and/or negligent noncompliance. If this matter is not resolved within the statutory timeframe, I intend to pursue all remedies available under FCRA 1681n and 1681o, including monetary damages. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and compel Equifax to fulfill its legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I have sent multiple disputes over period of time to Equifax including the below accounts as these account are reported incorrectly and are reported differently across all three credit reporting agencies however without providing me any proof or exact procedure of verification, this bureau continues to claim the accounts have been verified by furnishers or collection agencies. These is what I have Requested from them ; FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Your obligation to provide a description of the procedure used to determine the accuracy and completeness of the disputed information.

2. FCRA 609 / 15 U.S.C. 1681g My right to receive all information in my file, including the sources of that information and the identification of each person that procured a consumer report within the last 2 years for employment purposes and within the last 1 year for other purposes.

3. 15 U.S.C. 1681b Restricting the permissible purposes under which any person may access my credit report. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX 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 - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US Federal Trade Commission that all 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 2025-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting multiple hard inquiries that I never authorized and that have no permissible purpose under FCRA 604 ( a ). These include inquiries from XXXXXXXX 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  and others XXXX XX/XX/XXXX and XX/XX/XXXX. I never applied for credit with these companies, nor gave consent to access my credit file. I requested Experian to delete these inquiries or provide original signed authorizations from each creditor. They have not provided documentation and continue to report these inquiries, violating FCRA 604 ( a ), 607 ( b ), and 611 ( a ) ( 5 ), XXXX XXXX XXXX XXXX, and XXXX XXXX reporting standards.

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 2025-08-12 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: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MN

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported XXXX be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$30.00} Late XXXX  days XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} Late XXXX  days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} Late XXXX  days 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
This account, listed as XXXX XXXX  on my Experian credit report, is being reported with inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ). 

The account shows a {$130.00} write-off and is marked as closed with a last payment in XX/XX/XXXX, yet Experian is still reporting recent late payments in XXXX as if the account were active. This is factually impossible for a closed account and creates a false derogatory impact on my credit profile. 

Additionally, the furnisher lists purchased by another lender, but has not provided any valid details identifying that lender, nor any supporting documentation to verify the debt. I have not received a copy of the original signed contract, account statements, or any form of proper verification after submitting disputes directly to Experian. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information they know or should know is inaccurate.

FCRA 611 Failure to conduct a reasonable investigation and provide proper verification after a consumer dispute.

I am requesting immediate deletion of this account from my Experian credit report due to its unverifiable and inaccurate 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
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my 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 explanation