vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report, which I believe are inaccurate or incomplete. I request a thorough investigation and correction of these records. Below are the details of the accounts in question, separated by each credit bureau : CHARGED OFF XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$970.00} INQUIRIES XXXX  XXXX ( Date Opened : XX/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 2025-11-12 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: VA

Complaint narrative:
The following accounts reported by Experian are inaccurate, and I request an investigation and correction : CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$27000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I checked my credit report and seen this was on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-12 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: Bounce AI, Inc.
State: TX

Complaint narrative:
I am filing this complaint because BOUNCE AI ( Account # XXXX ) is being reported as a collection account on my credit report, which I believe is inaccurate and unverifiable. 

The reported details are as follows : Creditor Name : BOUNCE AI Account Number : XXXX High Balance : {$790.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge or record of ever having any account or financial relationship with BOUNCE AI. This account does not belong to me and appears to be a mistaken or fraudulent entry. I previously disputed this matter directly with the credit bureaus, but the item remains on my report without any proper validation or documentation provided by the furnisher. 

This inaccurate reporting has negatively impacted my credit standing and is causing harm. I am requesting the Consumer Financial Protection Bureau to investigate this matter and instruct BOUNCE AI and the credit bureaus to delete this unverifiable collection account from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-11-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive tried reaching them on several occasions in XXXX and XXXX two times to inform them that I was a victim of identity theft and provided with police report never got a response

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute several inaccuracies on my credit report. Below is a list of accounts that I believe have been reported inaccurately. Please investigate and rectify the issues. The details are separated by each credit bureau for clarity. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is inaccurately reported as charged off. Please review and correct the record. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account does not reflect accurate payment history. I request a review and update. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is inaccurately reported as a charged off. Please investigate and update the record. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Please verify the reporting of this account, as it may contain errors. 

Inquiries : XXXX  Date : XX/XX/XXXX Issue : Please confirm the accuracy of this inquiry. 

Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Issue : These late payments need to be reviewed for 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OH

Complaint narrative:
I talked to someone that said they collect for a company and asked for verification of the debt and validation, they said to me they can dispute it but the company will likely take them off and have another company take over, this happens multiple times and different companies called me. I asked for validation and they just pass me to another company. I feel as though I am being harassed by Jefferson capital by throwing my around and sending me to multiple other 3rd party companies. Its not fair and I feel like Im being harassed and havent received the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: WI

Complaint narrative:
The contacted me son regarding my account even though I confirmed that the was not my phone number and confirmed they have my contact information. There was no need to contact my son and share my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to report multiple inaccurate and unverified items being reported by various creditors and collection agencies to the credit reporting agencies ( Experian, Equifax, and TransUnion ). Despite my previous attempts to dispute these inaccuracies directly with the credit bureaus, the items remain unresolved. 
These inaccurate entries are severely affecting my credit profile. I am requesting your assistance in ensuring that these items are properly investigated, validated, and corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong Address XXXX XXXX, XXXX, WI XXXX This address is incorrect and does not belong to me. Please remove it from my credit file. 
Charge Off Accounts ( No Knowledge of These Accounts ) XXXX  XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2300.00} I have no knowledge of this account or any relationship with this creditor. Please investigate and delete this entry. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3200.00} I have no knowledge of this account. Please verify ownership and remove if unverifiable. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} I do not recognize this account. Please investigate and delete any unverifiable information. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$4500.00} This account does not belong to me. Please verify and remove it from my credit report. 
Collection Accounts ( No Knowledge of These Accounts ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} I do not recognize this collection. Please remove it unless validated with documentation. 
XXXX Inquiries ( Unauthorized Inquiries ) The following inquiries were not authorized by me. Please remove them as they were made without my consent : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Please conduct a thorough investigation and provide a written response confirming the results. If these items can not be verified, I request immediate deletion from my credit report. 
Requested Resolution I am requesting that the CFPB assist in ensuring that : 1. Each disputed account and inquiry is thoroughly investigated and validated. 
2. Any unverifiable, inaccurate, or unauthorized information is deleted immediately from my credit reports.

3. The credit reporting agencies and furnishers provide written proof of ownership, signed contracts, or application details if they claim the accounts are valid. 
I have attached copies of my identification, proof of current address, and supporting documentation for reference. 
Thank you for your attention to this matter. I look forward to your response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had automatic bill pay set up with my Bank of America credit card for over XXXX years. Without any notice or consent, Bank of America canceled my autopay. As a result, XXXX payments were missed, and I was told that bill pay was no longer active. They even denied it had ever been set up rather than admitting their fault. This failure caused : - Missed payments through no fault of my own - Late fees and interest charges - Negative credit reporting, which has damaged my credit score I never received proper advance notice that my autopay was being canceled. Bank of America marketed and provided this service, and I relied on it. Removing it without adequate notice is unfair and deceptive. It violates their duty to process authorized payments and, in my view, their obligations under the Truth in Lending Act and Fair Credit Reporting Act. This is not just a personal issue. Ive found widespread reports of other Bank of America customers experiencing the same sudden autopay cancellations. This appears to be a systemic problem with their handling of bill pay. 

This is to formally document that the following actions have not occurred regarding the issue at hand : - XXXX separate Bank of America agents confirmed that this was a widespread issue and assured me that the delinquency reported to the credit bureau due to their error would be reversed. However, I later received a letter stating that the matter was investigated and the reversal would not occur. 

- The CFPB did not hold Bank of America accountable for the harm caused by this failure. 

- I have not received a reversal of all late fees and interest charges tied to the missed payments. 

- No correction of negative credit reporting has been made, including formal notification to credit bureaus to delete the late payments.

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 2025-11-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been disputing this account for more than 45 days, asking both XXXX  and XXXX  to provide verification that I am legally responsible for this account. I specifically requested : Proof of how they verified ownership or liability. 
Documentation or records from Capital One confirming that I am a primary account holder. 
The method of verification used, as required under FCRA 611 ( a ) ( 2 ) ( B ). 
Neither XXXX  nor XXXX  has provided any documentation, nor have they corrected the inaccurate reporting. The account continues to report falsely without the required disputed notation.XXXX  and XXXX  are both inaccurately reporting my Capital One account ( Account # XXXX ) as my personal responsibility instead of an authorized user account. This is a factually inaccurate and misleading report under FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy. 
This account belongs to another individual, and I am listed only as an authorized user. Under Metro 2 reporting standards ( ECOA Code 3 ), an authorized user account should not report any delinquencies or derogatory payment history because the authorized user has no contractual obligation to the debt. 
Both bureaus continue to display inaccurate data late payments ( 30, 60, 90, 120 days ), a high balance, and Account not disputed which violates FCRA 611 ( a ) and Metro 2 6.2.1 ( data integrity requirements ). This creates the false appearance that I was late or delinquent, which is harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I called Huntington on XX/XX/XXXX to report an unauthorized check withdrawal of {$800.00} that occurred on XX/XX/XXXX. After our last issue with checking fraud on this account occurring earlier this year, XXXX checks for the same amount were written, I did not order checks for the new account ending in XXXX. The dispute agent requested I go into a local branch to fill out a Declaration of Unauthorized Check Withdrawal to complete the dispute report. I did this same day, around XXXX EST at the Huntington Branch located at XXXX High XXXX XXXX, OH. I was there for approximately XXXX minutes, filled out all the paperwork and answered all questions with the teller, and assumingly the manager who was helping her find the correct paperwork, who assured me the information would be sent to corporate. 

On XX/XX/XXXX I received a letter from Huntington, dated XX/XX/XXXX, requesting that I provide a Declaration of Unauthorized Check Withdrawal or my dispute will be withdrawn on XX/XX/XXXX. The letter stated the document was enclosed for me to complete but there was nothing in the envelope except for the letter. I called corporate on XX/XX/XXXX to question the letter, as I already filled out this information out at my local branch. The agent was not answering the questions & I requested to speak with a supervisor. I was put on hold for a few minutes then routed back to the IVR and had to wait another XXXX minutes to talk to another agent. I was finally connected to a lovely gentleman in disputes & a supervisor that were helpful, but unfortunately still have to return to the local branch to complete the paperwork again as they never provided it on XXXX. 

This isn't my first issue with fraud on my Huntington accounts, with XXXX fraud prevention efforts taken on their end. No notification, no verification if I authorized the activity, nothing. My savings account, closed mid-year in XX/XX/XXXX, had several wire transfers upwards of XXXX in a matter of days with no notification. In the long history I had accounts with Huntington I had never transferred money to an external source for a large sum of money. This has led to my decision to close all XXXX accounts I have with Huntington, and switch banks.

Company response to consumer: Closed with monetary relief