vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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.

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm writing this letter regarding Bank of America claims department claim number XXXX. The claim has been denied several times for the amount of {$15000.00}. I have reached out to Bank of America several times regarding this claim they have not done anything the claim has been overturned within XXXX hours there's no actual human being taking this claim seriously and having disclaim reevaluated. Also there was no affidavit of fraud given to me to have my claim approved and I'm needing my {$15000.00}. Bank of America needs to help me get this issue resolved and have my check issued because this Bank of America pre-service is no longer issuing debit cards. I respectfully dispute that determination in the request of Bank of America re-investigation. This claim I did not authorize or verify or approved the disputed transactions..

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 2025-11-10 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: OH

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under XXXX  law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
My car is assigned for repossession. The company that is responsible for picking up my vehicle was given the wrong address by Bridgecrest due to them not updating my account with my current address after I requested them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-10 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: OH

Complaint narrative:
I am formally disputing the accuracy and validity of a XXXXXXXX  account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

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 XXXX 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 XXXX  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 2025-11-10 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: AL

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 XXXX 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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
It presents a skewed image of my financial priorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Confirm that any challenged account is deleted within the laws timeframe.

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 2025-11-10 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:
I am disputing the following accounts with Equifax due to inaccurate reporting of charged-off accounts and late payments. 

CHARGED OFF : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$650.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$1400.00} LATE PAYMENTS : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MO

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 2025-11-10 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. These accounts have discrepancies or have not been updated as required by the Fair Credit Reporting Act ( FCRA ). Below are the account details : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3400.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$790.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Open XXXX XX/XX/XXXX Balance : {$2700.00}

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 2025-11-10 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: NY

Complaint narrative:
My repeated attempts to have false and inaccurate information removed from my credit report have gone unresolved. I have exercised my right to dispute and correct these errors, yet the information remains, unverified and misleading. This ongoing inaccuracy is negatively affecting my credit standing and causing unnecessary hardship in my daily life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to dispute a hard credit inquiry that appears on my Transunion credit report.I did not authorize this inquiry, nor did I initiate any application with the company listed below.The inquiry information and creditor/company name is Navy Federal Credit Union on September 7,2025.Under 15 U.S.C & 1681b of the fair credit reporting act ( FCRA ), no entity may access my credit file without my written or express permission.I have not provided such consent.Therefore, this inquiry is unauthorized and must be removed from my credit file immediately.Please investigate this matter and delete the unauthorized inquiry.Once your investigation is completed, provide written confirmation of the removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am submitting this formal complaint against multiple creditors and credit reporting agencies for serious inaccuracies, unverified reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Upon reviewing my credit report, I discovered several errors that have severely impacted my credit profile and do not reflect accurate or verifiable information. 

XXXX. Wrong Address Reporting The address XXXX XXXX XXXX XXXX XXXX XXXXXXXX is being inaccurately reported or associated with me. I have no knowledge or verification supporting this address as mine. This inaccurate information must be investigated and removed from all consumer reporting agencies immediately, as it may indicate mixed or fraudulent file activity. 

XXXX. Unverified and Inaccurate Charge-Off Accounts The following accounts are being reported as Charge Off, but I have no knowledge or records of ever having such accounts or authorizing these debts. These accounts must be fully verified under Section 609 ( a ) of the FCRA, or deleted if verification can not be provided. 

XXXX XXXX XXXX Acct # XXXX Open Date : XX/XX/XXXX | High Balance : {$18000.00} XXXX XXXX Acct # XXXX Open Date : XX/XX/XXXX | High Balance : {$10000.00} Until proper documentation is produced showing original applications, payment history, and contract signatures linking me to these accounts, they must be deleted immediately as unverified and inaccurate. 

XXXX. Unverified Credit Inquiries The following hard inquiries appear on my credit report without my consent or authorization. I did not apply for credit with these entities, and I demand proof of permissible purpose under FCRA 604 ( a ) ( 3 ) or immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These inquiries were not authorized by me, and I request a full investigation to determine how and why these entities accessed my credit file. 

Requested Resolution I request that the CFPB investigate these reporting errors and compel the data furnishers and credit reporting agencies to : Delete all unverified or inaccurate accounts and inquiries. 

Remove the incorrect address associated with my file. 

Provide written confirmation of corrections and verification results within the legally required time frame. 

I am asserting my rights under FCRA Sections XXXX ( A ), XXXX, XXXX ( B ), XXXX ( A ), XXXX, and XXXX ( A ) to ensure that only accurate, verifiable, and legally permissible information is maintained in my consumer file. 

Thank you for your prompt attention to this matter. Please keep me informed of all findings and actions taken.

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 2025-11-10 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: WA

Complaint narrative:
I am disputing the following charged-off accounts due to discrepancies in reporting. These accounts should be updated to reflect accurate status information or removed if the reporting does not meet FCRA guidelines. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$840.00} Issue : Please verify the accuracy of this charge-off account and ensure that it is in compliance with all reporting requirements. 

XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$640.00} Issue : Requesting verification of the account status and balance, and whether it is correctly reported as charged off. 

LATE PAYMENTS XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Issue : Discrepancy in reported late paymentsplease verify the accuracy of the reported payment history. 

XXXX XXXX XXXX Account Number : XXXX Issue : Discrepancy in late payment reporting. Please provide accurate details and documentation for the reported payments. 

XXXX XXXX XXXX Account Number : XXXX Issue : Please verify and clarify the reported late payments on this account.

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 2025-11-10 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: MD

Complaint narrative:
I am filing this complaint because my account with XXXX XXXX XXXX was charged off in XX/XX/year>, while I was on active duty military service. At that time, I was entitled to protection under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., which safeguards servicemembers from certain adverse financial actions, such as repossession or contract termination, without a proper court order. Because this charge-off occurred while I was actively serving, I believe XXXX violated my SCRA rights. 
In addition, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in the information they report about consumers. Reporting my account as a charge-off during a protected active-duty period is inaccurate, misleading, and harmful to my credit history. 
I am formally requesting that this charge-off be removed from my credit report and that my account be updated to accurately reflect my XXXX XXXX status at the time of the reporting. I am attaching copies of my XXXX XXXX orders and a recent credit report showing the charge-off entry. I ask that the Consumer Financial Protection Bureau review this matter and ensure that XXXX XXXX XXXX and the credit reporting agencies correct or delete this inaccurate information in compliance with the SCRA and FCRA.

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