vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
On Sunday XXXX XXXX. I drove to the Bank of America at XXXX XXXX XXXX XXXX. XXXX Illinois. I went to Both of the Drive up ATM at the bank. Both drive up ATM machines were not dispensing cash. So I headed towards the place I was going and utilized my Debit card in the establishment I was at. So i was able to get cash from there. On XXXX XXXX the Bank added 7 x XXXX fee to my checking account for using a non Bank of America ATM. In the past Several times this has happened to me. Where the BOA Drive up ATM machines were not dispensing cash. Leaving me no choice but to utilize other sources. I am now complaining. You can clearly see that I used my card at their ATM machines on XX/XX/year> to withdraw. When I reached out to the Bank of America after being placed on hold for 45 minutes. On XX/XX/year> I received an Email from BOA stating my request was denied for the Fees. Thank you.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Although the balance is cleared, the record continues to display late payment history.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Initially, I purchased a car from XXXX back in the summer of 2025. That car ended up having major mechanical problems, so XXXX exchanged the car for me. Unfortunately, I had already made two payments on that car, so Bridgecrest transferred those two payments to my new car loan, starting me with a credit. That is where the current problem started.

I had a credit of two payments ( {$420.00} each ) totalling {$840.00} at the time of purchase. That was applied towards my first payment of {$600.00} for XX/XX/XXXX, leaving a credit of {$230.00} that carried over to XXXX, making my XXXX XXXX {$370.00}. 

Then, Bridgecrest took {$600.00} from me on XX/XX/XXXX, despite many emails, reminders, and a new client phone call from Bridgecrest to inform me of my first payment that was due in XXXX for {$370.00}. 

Bridgecrest took the full payment when it was not due, and now says my NEXT payment is due XX/XX/XXXX for {$370.00}, but is still deducting {$600.00} on XX/XX/XXXX. They are doing the same thing by stating one due date and amount while collecting on a different due date for a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check at citizens Bank on XX/XX/XXXX before XXXXXXXX XXXX XXXX XXXXXXXX New York and their business stay closes at XXXX but they " not going to release the check until XX/XX/XXXX that is way over the XXXX period I got told has been over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am writing to dispute certain negative items on my TransUnion credit report dated [ Date of Report ]. Upon reviewing the information, I believe the following items require investigation and correction : XXXX. XXXX XXXX - Collection Account ( XX/XX/year> ) I would like to request the verification of this collection account. Please provide the necessary documentation for this account. If no verification is provided, I request that you remove this collection from my report.

2. Inaccurate Hard Inquiries I have noted several hard inquiries on my credit report. If I did not authorize these inquiries, I ask that they be removed. Please provide proof of authorization for these inquiries, or kindly remove them if not properly substantiated. 
As required by the Fair Credit Reporting Act, I ask that you complete the reinvestigation of these items and respond within 30 days. Please send me the results of your investigation to the address above.

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 2025-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX discharge in XX/XX/year>, and my loans were transferred to XXXX for discharge processing. Even though the discharge was approved, XXXX continued to report my account as XXXX days delinquent to the credit bureaus after the approval date. This is inaccurate and has caused a severe drop in my credit score. 

I began contacting XXXX about this in XX/XX/year> and have emailed multiple times requesting correction. I also spoke with representatives by phone, who told me my account was in forbearance/discharge status and that the negative reporting should not be happening. Despite this, the negative delinquency remains on my credit report. 

I filed disputes with the credit bureaus and they came back as verified, even though the account was already approved for XXXX  discharge and should not be reported as delinquent. 

I also filed a complaint through the Student Aid Ombudsman and have not received a resolution or correction. 

I am requesting that XXXX immediately correct the inaccurate late payment reporting, remove all delinquency marks from the months after my discharge approval, and update the account status to reflect discharge/closed with a {$0.00} balance.

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 2025-11-06 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:
I am writing to formally dispute multiple inaccurate and misleading entries on my credit report. Several accounts are reporting late payments, charge-offs, or collections that are either incorrect or reflect activity I do not recognize. These accounts include XXXX XXXX ( Account ending XXXX XXXX XXXX ), reporting a {$350000.00} balance with a late payment from XX/XX/XXXX ; XXXX XXXX ( XXXXXXXX XXXX XXXX ) with a {$34.00} balance and a late payment from XX/XX/XXXX ; XXXX ( XXXXXXXX XXXX XXXX  ) with a {$1100.00} balance and a late payment from XX/XX/XXXX ; XXXX ( XXXXXXXX XXXX XXXX ) reporting a {$690.00} charge-off from XX/XX/XXXX ; XXXX  ( XXXXXXXX XXXX XXXX ) with a {$260.00} balance and a late payment from XX/XX/XXXX ; XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX  ) with a {$1000.00} balance and a late payment from XX/XX/XXXX ; XXXX ( XXXXXXXX XXXX XXXX  ) reporting a {$790.00} charge-off from XX/XX/XXXX ; XXXX  ( XXXXXXXX XXXX XXXX ) with a {$1000.00} charge-off from XX/XX/XXXX ; XXXX XXXX ( XXXXXXXX XXXX XXXX ) reporting a {$250.00} balance with a late payment from XX/XX/XXXX ; XXXX ( XXXXXXXX XXXX XXXX ) reporting a {$56000.00} balance with a late payment from XX/XX/XXXX ; XXXX  ( XXXXXXXX XXXX XXXX ) with a {$21000.00} charge-off from XX/XX/XXXX ; XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ) reporting a {$1100.00} collection from XX/XX/XXXX ; XXXX ( XXXXXXXX XXXX XXXX XXXX ) with a {$1000.00} collection from XX/XX/XXXX ; XXXX XXXX ( XXXXXXXX XXXX XXXX  ) with a {$690.00} collection from XX/XX/XXXX ; XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX  ) reporting a {$980.00} collection from XX/XX/XXXX ; and THE BUREAUS ( XXXXXXXX XXXX XXXX ) reporting a {$420.00} collection from XX/XX/XXXX. Additionally, there is a XXXX XXXX inquiry from XX/XX/XXXX. 

Many of these entries are duplicated, inaccurate, or completely unrecognized by me, and they are causing significant damage to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request correction or removal of these items. I am therefore requesting that the CFPB investigate these accounts and ensure that all inaccurate or unverifiable entries are corrected or deleted immediately. Please provide written confirmation of your investigation and any actions taken to correct or remove these entries. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: AZ

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 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 2025-11-06 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: MI

Complaint narrative:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681e ( b ) Experian must ensure maximum possible accuracy of the information they report.

1681i ( a ) If you dispute the information, Experian must conduct a reasonable investigation and verify the accuracy with proper documentation from the furnisher.

If they can not verify the item with evidence, they are legally required to delete or correct it. 


XXXX I am filing this complaint regarding inaccurate and unverifiable information reported by * * XXXX XXXX * * to * * Experian * *, in violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * and related provisions. 
XXXX > The account in question ( XXXX XXXX  XXXX XXXX, Account # XXXXXXXX XXXX XXXX ) was * * paid in full and closed * *. However, XXXX and Experian have reported the account as being in * * Collections as of XX/XX/year> * *, despite there being * * no record, notice, or evidence of any collection activity * *, assignment, or sale of debt to a collection agency. 
XXXX XXXX This reporting is materially false and misleading, as : > > 1. No collection agency ever contacted me or attempted to collect on this account. 
> 2. XXXX has not provided documentation supporting any transfer, assignment, or collection activity. 
> 3. The account status itself reflects Paid, Closed, which directly conflicts with a Collection designation. 
> > Under the * * FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) * *, furnishers of information are prohibited from reporting information that they knowor have reasonable cause to believeis inaccurate. Additionally, once a dispute is submitted, the furnisher must conduct a * * reasonable investigation * * under * * 15 U.S.C. 1681s-2 ( b ) * * and either verify the accuracy of the information or correct/delete it if unverifiable. 
> > The continued reporting of this false collection status after prior disputes constitutes a willful and/or negligent violation of these provisions and has resulted in harm to my credit reputation and score. They are retaliating. As you can see by the attached loan documentation I had a 12-month loan and I paid it off within 12 months they didn't post it until XXXX and it was paid off in XXXX. Precisely one year which is 12 months after I obtained the loan which is also on the document. How could I be in collections? They will not report accurate information on the trade line. All credit bureaus are legal responsible for also not reporting this information properly and getting an obtaining and reviewing proper information that is required by 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a consumer working to fix my credit. The following accounts are currently in dispute with Equifax : Charged Off 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 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Information Solutions Inc has not been updated my credit report since XX/XX/year> and I have spent 100 's of hours on the phone and they say that they will fix the problem in 3-4 days and they will send my credit report but the problem is not fixed. I have called more than 100 times with each call lasting more than XXXX hour. I can neither access my Experian Report online nor Experian is sending my credit report by mail. I want my this problem solved and I want my Experian Credit Report.

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 2025-11-06 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:
XXXX XXXX : I am disputing the accuracy of the information being reported by TransUnion. The following accounts are being reported incorrectly. I respectfully request that TransUnion investigate these accounts and remove any information that can not be verified under the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for accuracy. 

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

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessary, it is critical.

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