vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This false entry negatively misrepresents my financial conduct. Please address it and update my records.

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 2025-10-29 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: Army and Air Force Exchange Service
State: PR

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me.

Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection 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 2025-10-29 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX. ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a dispute with Bank Of America on XX/XX/year> for a transaction in a beauty salon ( unknown business name ) in XXXX, XXXX ; the amount was {$560.00} and the claim ID assigned was XXXX. 
I went to this salon to get a haircut and colored highlights applied to my hair, and was persuaded by the cosmetologist ( unknown name ) to get human hair extensions applied with glue taped on my original hair. I disclosed very personal information about hair loss and they highly recommended the quality and duration of these extensions to last a minimum of 2 months. They also guaranteed the hair was authentic and I wouldn't suffer from any additional hair loss. I was pleased and trusted their comments about their products and services and agreed to have them applied. After two days of having these extensions, I noticed a large volume of hair strands started to fall off, I immediately noticed the extensions had damaged the root on my hair and my scalp was bleeding. I immediately applied medication on my scalp and went to a beauty salon to have them professionally removed. ( XXXX 's Beauty Salon, Address XXXX XXXX XXXX XXXX XXXX, CA XXXX, cosmetologist name : XXXX, contact number XXXX ) The hairdresser advised me that the hair was in fact synthetic and not human hair and they were not applied appropriately, they were too close to my hair scalp and therefore caused my scalp to bleed, in which the glue also got trapped in the process. She successfully removed them and told me she couldn't remove the glue in its entirely from my scalp. After weeks of treatments, I have been able to remove about 50 % of it as of today, yet I still have a lot of residue and lost more than 50 % of the original hair I had when I had the application of those extensions. I tried to contact the salon a few times and they have been unresponsive to my calls, as a result filed a dispute for this transaction. The merchant responded to the bank with pictures of the condition my hair right after the application of the hair extensions and shared confidential and untruthful information about being a bariatric patient, which is untrue. I have never performed such XXXX or shared any personal health information to a beauty salon employee. I have pictures with meta data information about the condition of my hair and scalp and have not been given the opportunity to forward them to the dispute dept from Bank of America.

The bank did not send me a link to summarize any explanation for my dispute after multiple requests. The pictures show the detrimental condition of my hair and scalp caused by the negligence and unprofessional services of this beauty salon establishment. I'd like a thorough review of my claim and the opportunity to address my claim with the information I have.

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 2025-10-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My personal information was stolen due to identity theft. The inquiries below were authorized without my permission. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 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: GA

Complaint narrative:
I am disputing the accuracy, completeness, and Metro2 compliance of multiple negative accounts appearing on my credit file datedXXXX. 
Accounts in dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Derogatory /ChargedOffasBadDebt/PurchasedbyAnotherLender Violation : Improper reporting of charge-off with balanceXXXX ; inaccurate AccountStatus ( XXXX $ XXXX ) ; inconsistent DateofFirstDelinquency ; no Metro2CIIcode ( XB ) indicating consumer dispute. 
XXXX. XXXXCollectionAccount Status : Collection /Derogatory Violation : Unverifiedownership and balance ; inconsistent DateReported vs.DateofLastActivity ; failure to provide validation documentation under FDCPA809 ( b ).

3. LatePayments ( 120DaysLate ) reflected in payment history without corresponding delinquency notices or validation.

Legal Basis for Dispute FCRA607 ( b ) Failure to maintain maximum possible accuracy.

FCRA611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable data after reinvestigation.

Metro2ManualSections14 Improper field logic between AccountStatus and PaymentRating.

FDCPA807 ( 8 ) Reporting false or misleading credit information.

TILA1601etseq. Improper disclosure and inaccurate reporting of consumer credit terms.

UCC2-302 Unconscionable conduct through continued publication of inaccurate data.

Given Equifaxs 2017 data breach, I also assert potential identity compromise, requiring deletion of unverifiable data under FCRA605B and immediate placement of an initial fraud alert ( 605A ).

Required Actions 1. Conduct a full reinvestigation under FCRA611 ( a ).

2. Provide complete documentary verification from each furnisher.

3. Delete or correct any unverifiable, inaccurate, or non-Metro2-compliant tradeline.

4. Provide a corrected credit report within 30days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. {$9700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. {$14000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a complaint regarding an auto loan and related credit reporting issues that occurred while I was on XXXX XXXX with the United States XXXX XXXX. 

1. Auto Loan Issue I obtained an auto loan with XXXX XXXX XXXX XXXX on XX/XX/year> However, due to being called to active XXXXXXXX XXXX XXXX XXXX  I was unable to maintain regular payments. Despite notifying the lender of my military service and providing documentation, I am now being charged for the full amount of the loan and additional fees. I believe this may violate protections under the Servicemembers Civil Relief Act ( SCRA ), which limits the interest rates and collection actions that may be taken against active-duty service members. 

2. Credit Reporting Issue Additionally, I have noticed that several old accounts related to this auto loan and other debts are still being reported on my credit report, even though they should no longer appear or should reflect updated information due to my military status and the age of the accounts. 

I respectfully request that the CFPB review this matter to ensure that my rights as a service member are being upheld. I would appreciate any assistance or guidance you can provide to help resolve these issues with [

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a complaint regarding an auto loan and related credit reporting issues that occurred while I was on XXXX XXXX with the United States XXXX XXXX. 

1. Auto Loan Issue I obtained an auto loan with XXXX XXXX XXXX XXXX on XX/XX/year> However, due to being called to active XXXXXXXX XXXX XXXX XXXX  I was unable to maintain regular payments. Despite notifying the lender of my military service and providing documentation, I am now being charged for the full amount of the loan and additional fees. I believe this may violate protections under the Servicemembers Civil Relief Act ( SCRA ), which limits the interest rates and collection actions that may be taken against active-duty service members. 

2. Credit Reporting Issue Additionally, I have noticed that several old accounts related to this auto loan and other debts are still being reported on my credit report, even though they should no longer appear or should reflect updated information due to my military status and the age of the accounts. 

I respectfully request that the CFPB review this matter to ensure that my rights as a service member are being upheld. I would appreciate any assistance or guidance you can provide to help resolve these issues with [

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a victim of fraud on XX/XX/year>. I received a phone call that appeared under the name XXXX. They called to confirm if I had sent a XXXX payment to a person named XXXX for the amount of {$3000.00}. I said no, and they told me it was a fraud and that they needed to report it and transfer me to their fraud department. 

They transferred the call, and the person started telling me that I needed to protect my account because someone was trying to steal from me. They made me send approximately {$6000.00} to different emails and phone numbers through XXXX. I sent the money without realizing what was happening, from both my XXXX and Capital One accounts. 

I asked them if they could send me an email to confirm that they were really from the bank, and they sent me a very fake-looking email. At that moment, I realized it was a scam and immediately called XXXX to report it, but they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

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 federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
I submitted a XXXX notice to vacate the apartment I was in and paid the penalty that they said there will be. The last day I turned in the keys and almost XXXX  years later I get a debt collection notification through XXXX. I was never contacted about this debt and when I asked about the records of it, none were provided. I am getting charged interest on this debt and it is accumulating every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
They have frozen my account and have basically stolen my funds by refusing me to withdraw funds from my 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 non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to substantiate my claim.

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