vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am highly aware and now going back and forth over an identity theft that happened 2 years ago. Bank of America is the issue at hand as well as XXXX. I have repeatedly called Bank of America with XXXX response to the matter except them telling me they can set me up on a payment arrangement. I will not be paying any sort of money to the bank when they should not have credited an account that had reported fraud on it. I have now filed a police report with the police department. XXXX is enough. XXXX tired of all the transfers to claims, customer service and escalating calls with XXXX outcome except pay the money. I have talked to over XXXX people I have all their names and still no one is able to help. XXXX even given different zip codes to the XXXX XXXX dept when trying to send the information I have and need to provide. I want to report Bank of America for their fault in crediting an account to a card and account that I reported had fraudulent activity on. I will obtain and go forward with legal litigation as well.

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 2025-04-08 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: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Hey there CFPB. Ive tried to dispute my 1 closed account and have them removed from my credit report. It was for my first progress account I paid them off and it was an agreement that they would remove it from my credit report but its still showing on my credit file. I wrote the company a goodwill letter but I still didnt receive a response back and I have 1 derogatory on my account and I paid it off with the collectors we had a agreement that If I paid what they requested they was gon na close the account and that was in 2023 of last year I have the proof even my xfinity mobile account shows {$0.00} but they sent my information over to transworld Inc and I was on the phone the same night to resolve the issue with them and they told me that they made a mistake and will be reporting it to all 3 credit bureaus and the only account its been removed from is my Experian account but its havent been removed from my XXXX or my XXXX account. Ive been suffering for a long time trying to get the companys to respond back. Please help me and thank you so much for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MA

Complaint narrative:
So, I've disputed an account on my Equifax credit report called XXXX XXXX XXXX XXXX XXXX several times with Equifax. This account is very old and is about 9years and 10months old. It's already been 7years so this account should be deleted from my credit report. I've requested that this account be deleted from my credit report several times and even called the Equifax Customer Service #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 filed a dispute for XXXX account XXXX due to incorrect information reported. I have contacted the company for verification of account multiple times and have not received any response from them. They have not issued any verification of reported account. They have an incorrect address in which it is not my address associated to their account. I have sent multiple emails to their support email for assistance regarding the account with no response. I have also mailed them letters requesting verification. XXXX victimizes consumers through a variety of unlawful, unfair, and fraudulent business practices. The company has been sued by the State of California for their unlawful practices against their consumers. Experian has denied to follow up with the investigation. Experian refuses to delete the account off my account without verifying the information. Experians investigation is incorrect and incomplete as they are accepting inaccurate information as verified. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal laws.

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 2025-04-08 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX the company double reported my old account info for a card that was stolen the card account is closed and they reported the old card as a new and open card so it has dropped my credit score 50 points I've called the company 10 times at this point they keep just switching me to different departments. I've sat on hold for a total of 3 hours. Only to be told to contact the credit bureau that reported it as I already did credit bureau told me the credit card company needs to take care of it. there support sucks they keep dogging the issue. I recently enlisted in the XXXX it took me like 3-4 months to get my credit score up 50 points. they check my credit and this hurt it bad. 

The last time the old card was reported was XX/XX/XXXX as a new account being opened. I told the credit card company and they just said no I have screenshots of everything showing its being reported as a new account and showing its an open account the last reported payment balance was XX/XX/XXXX was {$82.00}. that is incorrect. the correct amount as I've made payments to the account is {$870.00} my last payment was submitted on XX/XX/XXXX but they didn't process it till XX/XX/XXXX of {$100.00}. the last reported balance for the correct closed account was {$970.00} on XX/XX/XXXX. I've tried to send everything to the credit card company and I just keep getting emails saying it couldn't send your message. I told them I was receiving these emails and they said to just keep trying ( not working ). they wont remove the old card off the report until the credit card company says anything about the dispute.

please help I'm trying everything I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Trans Union, Experian, Equifax under federal law President trumps Executive order unlawful credit reporting without consumer consent Never gave you consent to report any thing. Trans Union You still block me from seeing my credit report so please respond through the CFPB

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeatedly reporting my DEPT OF ED/XXXX student loan account as delinquent, which is completely false. 
I have submitted written disputes to each credit bureau, clearly showing that this account has never been late and is current. I even provided a letter directly from DEPT OF ED/XXXX confirming that the account is in good standing and has no history of late payments. 
Despite this, the inaccurate information was reported more than once, and the credit bureaus have failed to correct it, violating my rights under the Fair Credit Reporting Act ( FCRA ).

FCRA 1681i requires a reasonable reinvestigation within 30 days.

FCRA 1681e ( b ) requires agencies to ensure maximum accuracy.

Sections 1681n and 1681o allow for damages due to willful/negligent noncompliance.

Additionally, Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) affirms that credit bureaus must verify disputed information and not simply rely on the furnisher 's data. Their failure to do so here is unlawful and damaging.

I am extremely upset and disappointed by the ongoing harm this has caused to my credit and emotional well-being. I am requesting immediate investigation and corrective action.

Supporting documents include : Confirmation letter from DEPT OF ED/XXXX Credit reports showing the false delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeatedly reporting my DEPT OF ED/XXXX student loan account as delinquent, which is completely false. 
I have submitted written disputes to each credit bureau, clearly showing that this account has never been late and is current. I even provided a letter directly from DEPT OF ED/XXXX confirming that the account is in good standing and has no history of late payments. 
Despite this, the inaccurate information was reported more than once, and the credit bureaus have failed to correct it, violating my rights under the Fair Credit Reporting Act ( FCRA ).

FCRA 1681i requires a reasonable reinvestigation within 30 days.

FCRA 1681e ( b ) requires agencies to ensure maximum accuracy.

Sections 1681n and 1681o allow for damages due to willful/negligent noncompliance.

Additionally, Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) affirms that credit bureaus must verify disputed information and not simply rely on the furnisher 's data. Their failure to do so here is unlawful and damaging.

I am extremely upset and disappointed by the ongoing harm this has caused to my credit and emotional well-being. I am requesting immediate investigation and corrective action.

Supporting documents include : Confirmation letter from DEPT OF ED/XXXX Credit reports showing the false delinquencies

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 2025-04-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I do not have contract nor did I authorize the company to obtain my information my rights to privacy were violated under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am writing to formally dispute the negative late payment entries reported by XXXX  XXXX XXXX, on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX  XXXX XXXX are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate. 
2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments.

3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed.

4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately.

5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA.

6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. 
I want all inaccurate or unverifiable negative items deleted from my Experian, Equifax and Trans Union report. I also want the credit reporting agencies to fully comply with FCRA 15 USC 1681i and 1681e, and cease reporting any information they can not legally verify.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the negative late payment entries reported by XXXX  XXXX XXXX, on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX  XXXX XXXX are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate. 
2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments.

3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed.

4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately.

5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA.

6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. 
I want all inaccurate or unverifiable negative items deleted from my Experian, Equifax and Trans Union report. I also want the credit reporting agencies to fully comply with FCRA 15 USC 1681i and 1681e, and cease reporting any information they can not legally verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Heres a revised version of your message, polished for clarity and professionalism, while still conveying your urgency and frustration : Ive called Citibank multiple times in the past two days to resolve a debt on my Best Buy credit card. On XX/XX/XXXX, I called at XXXXXXXX XXXX  three times around XXXX XXXX, and again at XXXX XXXX. The day prior, XX/XX/XXXX, I called at XXXX XXXX. 

I was attempting to make a payment of {$220.00} toward a debt I want to settle, but I was told Im unable to make any payment because the account is under internal review. I asked to speak with someone from that department but was informed theres no one I can speak to. When I requested more information, I was told none could be provided at this time. 

On XX/XX/XXXX at XXXXXXXX XXXX, I even went to a Best Buy location to try to make a payment in person, but my credit card and account information couldnt be found in their system.

This situation is deeply frustrating. Im urgently trying to settle this matter due to a pending job opportunity with the Federal Bureau of Prisons, and today is my deadline. I can not afford to wait another month for an undefined review process. With no clear information or timeline, Im left unsure if this is even my debt, and I feel completely stuck.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX SSN I had a balance of {$80000.00} dollars and in one year the account slowly demised. I went into XXXX XXXX branch wells fargo and asked to sit down with XXXX who tried to help me, there were overwhelming fees and deductions we didn't understand, while she saw the fee deductions, she didn't have an answer to me, escalating this to corporate representative, who basically gave me the same answer, therefore shutting the door on any accountability. I closed those accounts, but know I have been dubbed. 

Wells Fargo, accounts total 5 accounts, business, and 3 personal with family members. 
Previous names 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 monetary relief