vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025 I was notified of a charge off collections account from Bank of America. The account states I owe {$660.00} on an account with a {$500.00} credit limit. I have never had a credit card with this company. Upon contacting the company and asking for a verification of debt, I never received XXXX. However, this account continues to negatively impact my credit score.

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 2025-09-03 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Multiple Chapter XXXX bankruptcies are being reported on my credit reports with XXXX, XXXX, and TransUnion. The reporting is inaccurate, incomplete, and misleading for the following reasons : XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. The case shows {$0.00} assets, {$0.00} liabilities, and no discharge of debt. Despite dismissal, the account continues to be reported as a bankruptcy, negatively affecting my credit profile. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. Again, the case lists {$0.00} in assets, liabilities, or exempt amounts. Reporting a dismissed bankruptcy that resulted in no debt relief is misleading under the FCRAs accuracy standard. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. The record shows {$0.00} in all categories, yet it continues to be reported. This dismissal means no repayment plan was completed and no debts were discharged. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX and currently showing as Filed. I dispute the accuracy of this reporting and request verification directly from the U.S. Bankruptcy Court. To date, no signed court documentation has been provided. 

Actions Taken I submitted written disputes to all three bureaus requesting removal of dismissed bankruptcies and verification of the most recent filing. 
Each dismissed case continues to be reported despite showing {$0.00} balances and no discharge of debt, which creates an inaccurate picture of my creditworthiness. 
The credit bureaus have failed to correct or properly verify these entries within the XXXX window required under the Fair Credit Reporting Act ( FCRA ). 

Why This Is a Problem The continued reporting of dismissed bankruptcies with no debt relief or balances is inaccurate and misleading. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. Maintaining dismissed cases with {$0.00} values violates this requirement and causes ongoing harm to my credit standing. 

Requested Resolution I request that the CFPB require Equifax, Experian, and TransUnion to : XXXX. Delete all dismissed bankruptcies from my credit reports. 
XXXX. Provide proper verification from the U.S. Bankruptcy Court for the XX/XX/XXXX filing ( Ref # XXXX ). If no verification exists, the entry must be removed.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information, is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited my paycheck from my job at XXXX XXXX in person on Saturday, XX/XX/XXXX some time around XXXX XXXX  in XXXX, XXXX. I was told by the bank teller that because of the weekend and the XXXX XXXX holiday on Monday, my funds should be available on Tuesday, XX/XX/XXXX. 

It is now Wednesday, XX/XX/XXXX, and after speaking to about XXXX different Chase employees and hold specialists, I was informed that there is a hold on my paycheck and my funds will not be available until XX/XX/XXXX. There were no reasons other than that they needed to do more review on the check. I have been a Chase member for well over a decade and this has never happened to me before. I have also deposited a paycheck from this employer before as well, so there should be no reason to suspect fraud. 

I have no groceries in the fridge or gas in the tank, and I am unable to pay my bills. XXXX weeks is a ridiculous length of time to wait for a paycheck of {$3200.00} to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely frustrated and disappointed that my Experian credit report still shows the inaccurate employer entry XXXX XXXX XXXX, XXXX  under the Employers section, despite my submitting multiple disputes and supporting documents. I have never worked at this address, nor have I ever authorized its inclusion in my credit file. Its continued presence demonstrates Experians repeated failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

This is not a simple oversight it is a clear sign of negligent data handling and a breakdown in Experians verification procedures. Including unverified employer information misrepresents my identity and history, directly affecting my ability to secure credit, housing, and employment. I have already provided valid proof of my correct employer, yet Experian continues to ignore my disputes and maintain inaccurate data in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Equifax has recently reinserted fraudulent account onto my credit report that does not belong to me. They have not provided me with any verification methods used to " verify the account belongs to me ''. This account was removed on XX/XX/year> and later reinserted on XX/XX/year>. They are conducting sham investigations and reinserting accounts without any proper steps and are acting against the FCRA consumer laws. If this account is not removed and blocked I will be taking legal action against Equifax for reinserting a fraudulent account and conducting sham investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am filing this complaint against Bank of America regarding Claim No. XXXX. 

On XX/XX/XXXX, I deposited a check for {$1300.00}. The buyer later requested a refund, but before returning any money, I contacted Bank of America on XX/XX/XXXX to confirm whether the check was valid. The bank employee I spoke with assured me that the check was confirmed and valid. During that call, I even mentioned my concern that checks can sometimes be returned later, but the employee specifically told me that this would not happen in my case. 

Relying on this assurance, I transferred {$1200.00} via XXXX XXXX transactions from XXXX Bank of America account, and another {$50.00} via XXXX from my XXXX account, to the individual. The following day, the check was returned as invalid. 

This entire loss occurred only because of the incorrect information provided by a Bank of America employee. I am not disputing an unauthorized transaction, but rather a transaction that resulted directly from misinformation given to me by the bank. 

Bank of America has since denied my claim and did not even provide me with a XXXX XXXX during the investigation, despite my early reporting. Their response ( attached ) fails to address the fact that their own employee caused my reliance. Bank XXXX XXXX response focused only on the fact that the transfers were made through XXXX. However, this completely ignores the root cause of the transfers : the misleading information I received directly from a Bank of America employee. 

I am also aware that Bank of America is still attempting to recover the funds from the recipients accounts, yet the bank seems more focused on protecting its employee than acknowledging the fact that the recorded call clearly shows the employees error. 

I hold the bank responsible for these losses because I relied on their employees direct assurance. 


Attachments : Bank of AmericaXXXX  written denial ( attached image ). 
All the conversations pictures with the scammer including proof of XXXX transfers.

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 2025-09-03 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under XXXX XXXX, I demand their deletion within XXXX  days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, Section XXXX ( a ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX  and XXXX  are consumer reporting agencies, and I am the consumer. 

Under XXXX XXXX XXXX XXXX, XXXX has declared that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. 

Capital One is considered a financial institution under this statute and is therefore subject to these obligations. 

Furthermore, under XXXX XXXX XXXX XXXX ( Section XXXX ( a ) ( XXXX ) ), a consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to whom the report pertains. Neither Capital One nor the consumer reporting agency XXXX  and XXXX  have my written consent to furnish or share my personal information. Any prior consentwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, XXXX XXXX XXXX XXXX ( b ) ( c ) provides that a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out and receives a clear explanation of how to exercise that right. Capital One did not inform me of my right to opt out of such disclosures. 

Moreover, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from including any adverse information ( other than records of criminal convictions ) that predates the report by more than XXXX years. The information being reported by XXXX  and XXXX  constitute adverse data and is being shared without my authorization, in violation of federal law. 

Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), a party must not furnish any information to a consumer reporting agency if they know, or have reasonable cause to believe, the information is inaccurate. Additionally, under XXXX XXXX XXXX XXXX, consumer reporting agencies must maintain reasonable procedures to ensure compliance with XXXX and to limit the furnishing of consumer reports to the permissible purposes outlined in XXXX. XXXX and XXXX  have failed to uphold these responsibilities. 

Finally, XXXXXXXX XXXX XXXXXXXX states that a consumer XXXX exercise the right to opt out of information sharing at any time. I am hereby exercising that right and opting out of all reporting and information sharing by Capital One, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Subject : Formal Demand for Removal of Student Loan Account ( XXXX ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq.. It is also a demand for deletion of the following student loan account ( XXXX ) due to a failure to provide proper legal authorization, verification, and disclosure. 
Violation of Privacy and Disclosure Requirements ( XXXX  ) Per XXXX XXXX Code XXXX, financial institutions are prohibited from sharing nonpublic personal information with XXXX XXXX XXXX  including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : XXXX written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) and XXXX, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account. 
This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement. 
The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the XXXX XXXX and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MS

Complaint narrative:
My lexis Nexis report has XXXX other people on my social security number .ive been turned down for a job & credit due to these errors. I need help from the cfpb because of this issue

Company response to consumer: Closed with non-monetary relief