vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have ask XXXX XXXX XXXXXXXX to provide proof and to remove incorrect information. ACCORDING TO 15 U.S.C 1681 Fair Credit Reporting Act. They have failed to do whats right. They are in violations of my rights. THEY ARE IN VIOLATION OF FEDERAL LAW WHICH IS : 15 U.S.C 1681 E ( B ) 15 U.S.C 1681 15 U.S.C 1681 B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I have ask XXXX XXXX XXXXXXXX to provide proof and to remove incorrect information. ACCORDING TO 15 U.S.C 1681 Fair Credit Reporting Act. They have failed to do whats right. They are in violations of my rights. THEY ARE IN VIOLATION OF FEDERAL LAW WHICH IS : 15 U.S.C 1681 E ( B ) 15 U.S.C 1681 15 U.S.C 1681 B

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
What happened 1. Adverse information has been furnished to the consumer reporting agencies without proper notice or updated terms, and without accurately reflecting federal protections/program statuses on my account.

2. The reporting appears inconsistent with Department of Education policies and federal law governing furnishers duties, including the obligation to report accurate, complete information and to conduct reasonable investigations of disputes.

Why this violates federal requirements - FCRA ( 15 U.S.C. 1681s-2 ) requires furnishers ( including XXXX  ) to provide accurate information, promptly correct or delete information thats inaccurate, incomplete, or unverifiable, and conduct a reasonable investigation upon notice of a dispute from a CRA. Failure triggers duties to modify, delete, or block the reporting. 
- XXXX XXXX & related XXXX directives : XXXX has instructed that eligible defaulted loans be reported as current and that default not be reflected during the Fresh Start window ; XXXX also coordinated deletion of historical default from credit files. 
- IDR payment count adjustment : The Departments one-time account adjustment credits time toward forgiveness and can change a loans status/eligibility. Any reporting that disregards the adjustment or its timelines can be misleading or inaccurate. 
- Widespread servicing/reporting errors have been documented ( e.g., XXXX duplication errors impacting nearly XXXX XXXX credit reports ). This underscores your duty to verify and correct my data.

My specific disputes - The following tradelines are inaccurate : XXXX, on 11 accounts - Inaccuracies include : reported default/collections despite XXXX XXXX eligibility ; duplicate tradelines ; wrong payment status ; improper delinquency dates ; failure to update after payment plan/IDR adjustment.

- I did not receive proper advance notice of any adverse reporting or revised terms/conditions ; nor did the reporting reflect ongoing federal protections/program reviews.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing a credit card interest charge on my Bank of America account, despite being a XXXX-level customer for XXXX  years. I have a promotional 0 % APR valid through XX/XX/XXXX, but it applies only to balance transfersnot to purchases. 

I did not realize the promo did not cover purchases, and I was charged interest on purchase balances. Given my long-standing relationship and loyalty to Bank of America , I believe a goodwill refund is justified for this misunderstanding. 

I filed a case ( No. XXXX ), but the banks review team declined my refund request. I respectfully ask for the Consumer Financial Protection Bureaus assistance in reviewing this matter and helping me obtain a refund of the charged interest. 

Bank of America XXXX XXXX XX/XX/XXXX | {$170.00} | XXXX XXXX XX/XX/XXXX | {$160.00} | XXXX XXXX XX/XX/XXXX | {$140.00} |

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 2025-08-11 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: DE

Complaint narrative:
Experian allowed a XXXX XXXX to put a negative dent owed on my credit report for debt I was not allowed to challenge and dont owe I have no contract with this company or the original owner of the debt I didnt receive any service for this debt And dont have know knowledge of the debt

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I tried transferring money from my bank to my cashapp account. The amount I asked for was higher than available so it did not go through however cashapp placed a hold of XXXX on my account and my funds aren't available in either account they are " pending '' i called and asked them to remove th gold because I needed to pay rent. They declined citing fraud. When I debunked the claim of fraud due to me transfereing money in regularly to pay online they came back and tried to say the reason was now NSF. If thats the case my funds should not be on hold. They have caused undue stress and fees and now im facing eviction because of them and I was stranded out of town and had to beg and borrow to get home. They told me verbally they don't have to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved matter is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
On XX/XX/year>, I filed a dispute with OneMain Financial on a charge from a rental car agency that I had done business with. The dispute was over their refusal to give me my full security deposit back. They charged {$150.00} security deposit, and only returned a little over {$51.00}. They kept the extra money claiming it was for extra fees such as a {$79.00} prepaid gas fee which I declined when I rented the vehicle. I explained everything to Customer Service when I disputed the charge on XX/XX/XXXX. On XX/XX/year> I filed a complaint with the FTC against the rental car agency. On XX/XX/year> I noticed an additional charge hit by the rental car agency dated XX/XX/year>. I contacted OneMain Financial customer service, once again, on XX/XX/year> and was informed that my dispute was reopened and a freeze was put on my credit card, and that I had a new card coming in the mail. I was told this new dispute was filed on XX/XX/year> ; however, I did not fiIe it. The other dispute had been resolved even though I never received anything in the mail asking for documentation of the fraudulent actions from the rental car agency ; especially since I had stated that I had receipts and signed agreements. On XX/XX/year> I received a letter from OneMain Financial stating that the dispute had been processed and I was receiving a new card in the my and if they needed any further information from me, they would contact me. I contacted OneMain Financial on XX/XX/year> to discuss this letter with them and they told me the dispute had already been closed. Once again, they did not ask for any of my information and ruled against me. With this complaint, I am submitting my proof of the fraudulent charges from the rental car agency. If you have any further questions, please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Debt was removed from credit report due to not receiving a copy of the 1099 stating the account was charged off and it was over 7 rs on my credit report. Debt was removed back in XXXX for being over XXXX yrs old. Now NCB MANAGEMENT SERVICES INC is stating they to sue me for the Debt from XXXX. I asked NCB to show me where I signed a agreement with them for this Debt no response also I spoke to a supervisor and they stated they trying to collect a Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am disputing a charge-off credit card being reported by Transunion under the name " XXXX '' I have never had any account, service, or relationship with XXXX. This debt does not belong to me. I have sent written disputes to both XXXX and

Transunion on three separate occasions, requesting documentation and proof that this account is mine. In every case, I either received no response or vague, evasive replies that failed to provide any supporting evidence. At no point have I been presented with documentation linking me to this alleged debt. As further proof that this account is inaccurate, both XXXX and XXXX have already removed it from my credit report after reviewing my dispute. Transunion, however, continues to report this invalid account, causing damage to my credit profile and reputation.

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 2025-08-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am formally requesting removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for 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 explanation
Consumer complaint received 2025-08-11 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I dispute the validity of this alleged debt in its entirety and demand that you provide full validation as required by law, including but not limited to : 1. The original signed contract or agreement bearing my signature.

2. A complete itemized accounting of the alleged debt, including principal, interest, and fees.

3. The name and address of the original creditor and proof of your legal right to collect this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that you are licensed to collect in my state, including your license number.

Until such validation is provided, you must : Cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency.

Notify all credit reporting agencies to which you have reported this account that it is disputed, as required by 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Be advised, the following may constitute violations if you fail to comply : Reporting or verifying inaccurate or unvalidated information to a credit reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Failing to mark the account as disputed ( FDCPA 1692e ( 8 ) ).

Continuing collection without providing verification ( FDCPA 1692g ( b ) ).

If you can not produce the requested documents within 30 days, you must delete all references to this account from any credit reporting agencies and cease all collection activity.

Any further reporting of this unvalidated debt will be considered willful noncompliance and I will pursue all available remedies, including statutory damages, attorneys fees, and costs under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WA

Complaint narrative:
To Whom it may concern, I recently received notification from my bank that i was reported for having two student loan accounts reported for 90 days past due. This has really affect my credit score up to nearly a XXXX XXXX point drop. I have worked very hard over the past few years to get my credit score and finally achieved a XXXX just the previous month. Only for this adverse reporting to happen on these two items : XXXX XXXX Account Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$24000.00} and Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$11000.00} Additionally, I received no prior notification, written or by phone call of the past due status, Once I was notified, I immediately began working to correct the reports to return the accounts to favorable status. ( See attached ).

Under the FCRA section 623 a, it is required that reported information is complete and accurate. Please update the account to remove the 90 Day Late
report in the month of XX/XX/XXXX XXXX for inaccuracy because there are no prior 30 or 60 day late reports.

Thank you for your time and attention. I appreciate your help, i have worked hard over the past few years, for myself and my family, to improve my credit score and this report will have huge impact on my credit score, work and housing opportunities in the near future.

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 2025-08-11 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: WA

Complaint narrative:
To Whom it may concern, I recently received notification from my bank that i was reported for having two student loan accounts reported for 90 days past due. This has really affect my credit score up to nearly a XXXX XXXX point drop. I have worked very hard over the past few years to get my credit score and finally achieved a XXXX just the previous month. Only for this adverse reporting to happen on these two items : XXXX XXXX Account Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$24000.00} and Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$11000.00} Additionally, I received no prior notification, written or by phone call of the past due status, Once I was notified, I immediately began working to correct the reports to return the accounts to favorable status. ( See attached ).

Under the FCRA section 623 a, it is required that reported information is complete and accurate. Please update the account to remove the 90 Day Late
report in the month of XX/XX/XXXX XXXX for inaccuracy because there are no prior 30 or 60 day late reports.

Thank you for your time and attention. I appreciate your help, i have worked hard over the past few years, for myself and my family, to improve my credit score and this report will have huge impact on my credit score, work and housing opportunities in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: WA

Complaint narrative:
To Whom it may concern, I recently received notification from my bank that i was reported for having two student loan accounts reported for 90 days past due. This has really affect my credit score up to nearly a XXXX XXXX point drop. I have worked very hard over the past few years to get my credit score and finally achieved a XXXX just the previous month. Only for this adverse reporting to happen on these two items : XXXX XXXX Account Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$24000.00} and Item XXXX ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$11000.00} Additionally, I received no prior notification, written or by phone call of the past due status, Once I was notified, I immediately began working to correct the reports to return the accounts to favorable status. ( See attached ). 

Under the FCRA section 623 a, it is required that reported information is complete and accurate. Please update the account to remove the 90 Day Late report in the month of XX/XX/XXXX XXXX for i

naccuracy because there are no prior 30 or 60 day late reports. Thank you for your time and attention. I appreciate your help, i have worked hard over the past few years, for myself and my family, to improve my credit score and this report will have huge impact on my credit score, work and housing opportunities in the near future.

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 2025-08-11 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: IN

Complaint narrative:
I am filing this formal complaint regarding Transunions inaccurate reporting of multiple late payments. According to your records, several payments are falsely marked as late. In reality, these payments were made on time, yet this incorrect and damaging information remains on my credit report, directly harming 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 non-monetary relief