vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments in my account beginning in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture. But the late payments remain without proper validation or documentation. Under 15 USC 1681 S2 a furnitures must repot accurate information. Under 15 USC 1681 I, the credit bureaus must perform reasonable investigation within 30 days. Neither of them provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
For the past XXXX  months, Ive attempted to have my payment taken out of a new account than the checking account my autopay was already set up with. 

The XXXX  time, I just assumed this would work, so I didnt follow upwas surprised when it didnt happen. Incurred overdraft fees from the account due to lack of funds. Did not contact customer support because I thought maybe it was an error on my part. 

The XXXX  time, I made certain the new account was showing to be charged but when the payment was charged to my old account and I again incurred fees, I questioned customer support and they claimed they werent seeing that any attempt had been made to add the new account. Gave me instructions to update it and I tried again. 

The XXXX  time, same thing. Wrong account charged, I incurred fees. The app no longer showed the account I had addedonly the old XXXX, despite the new account showing it would be charged on my end up until days before the autopay went through. Customer support said they werent seeing that a new account was added. Again walked me through steps to make sure the new account was charged. 

The XXXX  time, I removed my old account entirely. And just the day before autopay went through, I made sure it was still showing the new account would be charged. This time, despite my removing it, my old account appeared again as an optional account and I was charged, incurring fees for a fourth time. This time, customer support said they finally saw the new account added but said the payment was still set up under the account I had removed. Despite the fact that the payment specifically showed on my end that it would be taken out of the new account and that the old account was no longer even present. My old account continued to appear as an option in the app after removal. 

I requested that I be credited the amount I had been charged with my other bank due to the overcharges, since the error was clearly with Bank of America, but the first person I requested this to simply claimed there was no way there was an issue with their system and I must just be doing it wrong. I asked to have the claim elevated but I could tell I would not get a call back by their smug tone. I was told Id receive a call from their higher-up within XXXX hours but never received any call. Their customer support is clearly trained not to take claims like this seriously.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : FORMAL DISPUTE & DEMAND FOR REMOVAL OF INACCURATE ACCOUNT Account in Dispute : SELF FINANCIAL/LEAD BANK ( Account # XXXX ) To Whom It May Concern, I am formally disputing the reporting of the above-referenced SELF FINANCIAL/LEAD BANK account on my Experian credit report. This account is inaccurately reported, and as such, it must be permanently removed under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 
Legal Basis for Removal 1. 15 U.S.C. 1681i Reinvestigation of Disputed Information Experian is required to conduct a proper reinvestigation and remove this account if it can not be fully verified with complete and accurate documentation.

2. 15 U.S.C. 1681s-2 Responsibilities of Furnishers SELF FINANCIAL/LEAD BANK is legally responsible for reporting only accurate and complete information. Any discrepancy or unverifiable reporting means the account must be deleted immediately. 
3. 15 U.S.C. 1666b Time Limits on Billing Errors This account was paid, closed, and never late.

Reporting this account in a manner that negatively affects my credit profile is misleading, inaccurate, and unlawful.

4. FCRA 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement If Experian can not verify this accounts accuracy, it must be deleted immediately under federal law.

My Demand : Immediate deletion of this account from my Experian credit report.

Written confirmation from Experian within 15 days that this account has been removed.

If Experian fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action for willful noncompliance.

Request for Compensation for Damages Due to Experians negligent reporting, I have suffered financial harm, including : Lower credit score affecting my financial opportunities Emotional distress and unnecessary time spent disputing errors Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to damages for XXXX failure to correct these inaccuracies. I demand financial compensation in the amount of {$5000.00} for the damages caused by Experians continued reporting of this account. 
Final Notice This is my final notice before I file formal complaints and take legal action. If this matter is not resolved immediately, I will escalate it to the appropriate federal agencies and pursue legal remedies. 
I expect Experians written response and confirmation of removal within 15 days. Please send all correspondence to my mailing address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, my vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) was repossessed by Nissan Motor Acceptance Company ( NMAC ). At the time, my account was 81 days past due with a balance of approximately {$1900.00}. I had been making partial payments and was actively trying to catch up.

I never received a Right to Cure notice or any written notice stating that repossession would occur. After requesting documentation, I received a letter that was dated after the repossession had already taken place. This is a clear violation of my consumer rights under Connecticut state law, which requires that borrowers be given written notice and an opportunity to cure the default before repossession. 

I submitted a formal dispute letter to NMAC shortly after the repossession, requesting an explanation and documentation. To date, they have not responded.

This lack of notice denied me the right to bring the account current and resulted in the loss of my only vehicle. I am now requesting assistance to investigate whether this repossession was conducted legally and to hold the company accountable for failing to provide proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I submitted IDR application XX/XX/year> - 5 months ago! still under review! need to repay my loans! i want to repay my loans!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dispute of alleged debt and request for validation under 15 U.S. Code 1692g account XXXX XXXX. To whom it may concern. I am writing to formally dispute the validity of above- referenced debt, which I understand you are attempting to collect. Pursuant to 15 U.S. Code 1692g of the fair debt collection practices act ( FDPCA ) I am requesting that you provide full validation and verification of this alleged debt. Please provide : ( XXXX ) the name and address of original creditors. ( XXXX ) the total amount of alleged debt, including a breakdown of any interest, fees, and of charges ; ( XXXX ) A copy of the original agreement or contract bearing my signature or other evidence of my obligation. ( XXXX ) proof that Portfolio Recovery Associates is legally authorized to collect on the debt. Until this information is provided I requesting that all cease all collection activity including written notices, and any credit reporting. If this debt has already been

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX owes me money from my account back in XXXX to XXXX I am in a class action lawsuit with wellsfargo and if XXXX not being paid what im owed im sueing XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX/XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Ive had my student loan payment account on record for many years in XXXX the payment kept returning saying the account number was incorrect, however my checking has not changed. I was only able to make a payment by calling into Nelnet. I was told multiple times when calling that I needed to login to there system to verify all information and account, I have found out in the last month that the reason I couldnt log in is because they have had the incorrect dob and social on file all these years. When checking yelp and other social sites I found that this has been an issue with numerous clients, they have been unwilling to investigate this matter. My credit is important Ive always had a XXXX or above, with this issue it is now showing late payments and drooped my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i checked my report and noticed un authorized fraudulent inquiries i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
Account name NATIONAL CREDIT SYSTEM Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$5500.00} Balance updated XXXX XXXX, XXXX Original balance {$5500.00} Monthly payment - Past due amount {$5500.00} Terms 1 Month Responsibility Individual Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed an inaccurate and inconsistent collection account reported by XXXX XXXX on my credit reports. The account has been verified previously despite reporting errors and inconsistent information across the three bureaus, including differences in account status ( open vs. closed ), balance amounts, and payment history. 

Additionally, the account is linked to an incorrect name variation ( also known as ), which I have already disputed and provided proof of my identity to correct. The bureaus acknowledged inaccurate information and only updated it rather than removing the account. This has left misleading and harmful data on my report, impacting my score unfairly. 

I am requesting the deletion of this account due to continued reporting of unverifiable, inconsistent, and incorrect information. The data furnishers and bureaus have failed to perform a reasonable investigation under the 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
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed an inaccurate and inconsistent collection account reported by XXXX XXXX on my credit reports. The account has been verified previously despite reporting errors and inconsistent information across the three bureaus, including differences in account status ( open vs. closed ), balance amounts, and payment history. 

Additionally, the account is linked to an incorrect name variation ( also known as ), which I have already disputed and provided proof of my identity to correct. The bureaus acknowledged inaccurate information and only updated it rather than removing the account. This has left misleading and harmful data on my report, impacting my score unfairly. 

I am requesting the deletion of this account due to continued reporting of unverifiable, inconsistent, and incorrect information. The data furnishers and bureaus have failed to perform a reasonable investigation under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation