vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had until today a Bank of America XXXX XXXX credit card with a credit limit of {$17000.00} and a {$0.00} dollar balance that I regularly use only once a year to purchase airline tickets and immediately pay back full balance. The Bank made the decision to send me to collection and put a remark on my credit because I forgot to pay the yearly credit card maintenance fee I completely forgot to pay given the numerous credit cards I have And I understand it was my oversight but what I believe is really unfair is that I was never contacted nor given the option to dispute the situation. 
I only noticed the problem because XXXX  XXXX notified me about the change on my credit score today, So today I called Bank of America ( XX/XX/year> ) pay the {$82.00} and cancel the respective card. Because again, the person on the phone was not going to help me with a dispute nor was going to help me to solve the credit remark issue.

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 2025-10-24 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 2025

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX The Capitol One response sent to CFPB was false. Please see the new complaint I sent which didn't allow me to include attachment which I have done through this remittance..... XXXX XXXX XXXX new EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-24 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Subject : Identity Theft Dispute Demand for Validation and Removal of Unverified AccountTo Whom It May Concern, I am writing to formally dispute the alleged account you are reporting under my name. This letter serves as an official notice that I am a victim of identity theft, and I do not acknowledge or accept any financial responsibility for the alleged debt you claim I owe.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that LVNV Funding LLC provide complete validation and documentation of the alleged debt, including:1. A copy of the original signed contract or application bearing my physical signature, establishing that I entered into an agreement resulting in this alleged debt.2. The name and address of the original creditor, along with a full account history showing how the amount you claim was calculated.3. Proof that LVNV Funding LLC has the legal right to collect on this account and report it to the credit bureaus.If you are unable to provide the above documentation verifying that this account is valid and that I am legally responsible for it, you are required by law to : - Cease all collection activity immediately, and- Delete any and all references to this account from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX.Please note that any continued reporting of this unverified or fraudulent account constitutes a violation of the FCRA and FDCPA, and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please respond to this dispute in writing within 30 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CO

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: IL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX CARD, XXXXXX/XX/XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligationswithoutdelay.

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 2025-10-24 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: IL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX CARD, XXXXXX/XX/XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligationswithoutdelay.

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 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: VA

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 ]

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 2025-10-24 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: MI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX CRD * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXXXXXX XXXX XXXX XXXXXXXX * * * * XXXX XXXX CARD - XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * 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 2025-10-24 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: DC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am submitting this formal complaint to request an immediate investigation into multiple inaccurate and unauthorized items being reported on my credit file by various furnishers. These entries are severely damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1. Incorrect Personal Information The following addresses are being reported on my credit profile, but I have never resided at these locations
: XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX These addresses are false and misleading. Their presence creates a high risk of identity confusion and inaccurate association with accounts that do not belong to me. I demand that the consumer reporting agencies immediately delete these incorrect addresses from my credit file.

2. Accounts with Inaccurate or Unverified Reporting The following accounts are being reported with false, outdated, or unverifiable information : XXXX XXXX  ( Account # XXXX ) Reported late payments despite no verified evidence of delinquency. High Balance : {$2800.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account # XXXX ) Reported as Charge Off, which is inaccurate and unverified. High Balance : {$21000.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account # XXXX ) Reported late payments without substantiation. High Balance : {$0.00}. Date Opened : XX/XX/XXXX. 

Under FCRA 623 and 611, furnishers are required to report only accurate and verifiable information. If these accounts can not be fully verified through original documentation, they must be immediately deleted from my credit report.

3. Unauthorized or Excessive Credit Inquiries The following hard inquiries were made without my consent or legitimate business purpose under FCRA 604 ( a ) ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my written authorization and are damaging my credit score unlawfully. I am demanding that these unauthorized inquiries be permanently deleted from my credit profile, and that the CFPB investigate each furnisher for potential FCRA and FDCPA violations.

4. Requested Action I respectfully request that the CFPB : Conduct a full investigation into the listed furnishers and credit bureaus.

Ensure immediate correction and deletion of all unverifiable or unauthorized data.

Provide a written response detailing actions taken and verification results.

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 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: TN

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 XXXXXXXX ] Account Number : [ 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My Capital One debit card was stolen the morning of XX/XX/year> along with my phone. I used my hotel phone to call and request they deactivate the card because someone was actively making withdrawals and charges to it. They refused to do so because I couldn't receive an app notification. Remember my phone was stolen. I literally begged them to deactivate it and verify my identity another way. They made no effort to do so and essentially told me I was out of luck and the thief could keep using my card until I was able to get a new phone. Fast forward a few hours, I call again and reach someone who finally cancels the card after {$4900.00} had been either charged to or withdrawn from my account. On that call and subsequent calls, they opened fraud cases for me totaling the above referenced amount. and issued me a temporary credit for the same amount. 

On XX/XX/XXXX, they emailed me saying my claims had been denied due to " Authorization and/or participation in the transaction activity. '' I then called to dispute this and they agreed to reopen the cases. The emails also said they would reverse the temporary credit they had issued on XX/XX/XXXX. They told me on the call that since the case had been reopened they would issue a new credit and that I would be contacted regarding the cases. 

XXXX XXXX rolls around, I have not been contacted by anyone and low and behold, they reverse the original credit leaving me with a large negative balance and did not issue me another credit. I called again to see if they could help me. The person I was connected to was basically only qualified to read off of a screen and offered me no help. I asked to be put on with a supervisor, they would not connect me. I asked to speak to the investigations team who issues the credits, they would not connect me. I asked how to log a complaint with the bank and they stonewalled me.

I believe the bank has breached their duty to protect me as a consumer by : 1. ) being complacent in the fraudulent transactions by not allowing me to deactivate the card even though I could have proven my identity.

2. ) denying the claim without performing any real investigation. Even a small effort could have turned up that I did not authorize these transactions 3. ) reversing the temporary credit without issuing another after pledging to do so, putting me in a precarious financial position Here are the claim numbers in question : Claim # XXXX, {$1700.00} Claim # XXXX, {$1500.00} Claim # XXXX, {$1700.00}

Company response to consumer: Closed with explanation