vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: NY

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They promised to pay for the rental because they messed up on my jeeps repair and i had to take it back. At first the rental charged my Bank of America card for one day {$50.00}. I made a claim with BOA and got denied. I told XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and they sent me a check for the {$50.00} one day charge. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX then Charged my BOA credit card {$720.00} for many more days XXXX XXXXXXXX XXXX XXXX XXXX is suposed to pay for. I made another claim and got denied. I called the claims department and the person i spoke to was rude and didn't seem to know what he was doing. I told him to get his manager or supervisor involved and i didn't even receive a claim or claim conformation in email or app. I ' v called XXXX XXXXXXXX XXXX XXXX XXXX, and text the General manager with no response. At the moment XXXX XXXX XXXX XXXX XXXX owes me {$2100.00} for all the days they needed the rental.

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 monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Please accept this communication as formal dispute notification regarding the referenced accounts. I am not affiliated with them and did not approve their creation. I request deletion following review. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> called XXXXXXXX  to ask for payment assistance. I needed to skip a few payments due to my hardship. I paying out pocket for medicals that XXXX does not cover. Never given options. Just told if three months skipping they would close the card. I protested, closing the card would drop my credit score. She stated this is the only option.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this dispute regarding the following accounts that I believe have inaccuracies. I respectfully request that these accounts be reviewed and corrected based on the details below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I went to XXXX XXXX XXXX to replace my top engine motor mount bolts. I had the part provided. Based on the bill they provided, they charged me for XXXX mechanics for XXXX hours. The estimate and cost to replace my motor mount are much lower than the amount I was charged, based on other mechanics I have talked to and online. Here is a repairpal.com estimate for my car and my location : https : XXXX XXXXXXXX I had to pay the bill under duress to get my car back. The shop has provided me with a bill at the end of the job, but did not tell me, in writing or verbally, how much the estimate would be at the beginning of the job. They said it is a small job and will be done in a couple of hours. 

I had previously raised a dispute with Chase Bank, but they just denied my request, saying the merchant provided the breakdown and so the charges are justified. I want to be clear that the breakdown was inflated to charge me more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I received XXXX missed calls from USAA. The third time I answered and the representative told me that my account was flagged for fraudulent charges. The representative then told me I need to verify your information please give me the six-digit pin that we'll come from a text. So I did as I was instructed. Next thing I know I couldn't get into my account and when I finally did get in. The money was being transferred out of my account and send to XXXX and then it was send to a XXXX XXXX Bank XXXX ending in XXXX. I contacted USAA right away to report what has happened to my account. I also contacted the bank where the money was sent to and they refused to help me. Accounting to the law. Below shows that I did what is right and I am not liable for the unauthorized transaction of funds in the amount of {$5000.00} XXXX also attached photo of the phone number that called me. It is the bottom XXXX numbers. Also images of what has happened to my account on XXXX XXXX. 

How liability actually works XXXX XXXX XXXX : If you report within XXXX business days of learning that your card/credentials were stolen, your maximum liability is generally {$50.00} for unauthorized electronic transfers. [ federalreserve XXXX ] If you miss the XXXX window but report within 60 days of the statement showing the {$5000.00} transfer, your liability can be higher but is still limited, and you are not automatically responsible for the full {$5000.00}. [ consumerfinance XXXX ] The bank can not increase your liability just by saying you were negligent ; their deposit agreement can not legally override the limits in XXXX XXXX [ XXXX XXXX ] If this {$5000.00} was a onetime unauthorized transfer and you reported it within 60 days of the statement, you have strong grounds to argue the bank must eat most or all of the loss, not you. [ XXXX XXXX ] Escalating beyond the bank If the bank refuses to reverse the charge or still blames you : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and attach your bank statements, dispute letters, and any responses from the bank : XXXX : XXXX. [ consumerfinance XXXX ] The CFPB will forward your complaint to the bank and require a written response ; they specifically look at whether the bank followed XXXX XXXX and handled your fraud claim correctly. [ reddit XXXX ] You can also report the incident to local police ( for a police report number ), your state attorney general, and the FTCs identity theft portal ( https : //www.identitytheft.gov ) if your identity was compromised. [ identitytheft XXXX ] Protecting yourself going forward

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 2025-12-04 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: MI

Complaint narrative:
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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 2025-12-04 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX 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 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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recuvery LLC
State: GA

Complaint narrative:
Beginning in early 2025, Recuvery LLC attempted to collect an alleged debt connected to a Denefits contract that violated the Credit Repair Organizations Act ( CROA ). On XX/XX/year>, I sent XXXX a cease-and-desist notice disputing the debt and requesting all communications stop. Despite this, XXXX continued contacting me repeatedly via email and text with urgent collection messages and implied credit-damage warnings. 

I sent XXXX additional cease-and-desist notices on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all disputing the debt and requiring them to stop contacting me. XXXX continued to send dozens of messages after each notice. 

XXXX falsely claimed on XX/XX/XXXX that my XXXX message was the first communication they had received, despite months of emailed notices. Days later, they admitted in writing that there had been an internal compliance failure regarding their handling of my prior cease-and-desist requests dating back to XXXX. 

XXXX also used misleading credit-threat language ( XXXX XXXX compromised ), continued collection attempts while the debt was disputed, and sent a settlement offer requiring me to waive all claims while offering no compensation. 

Their conduct includes : Repeated communication after multiple written cease-and-desist notices Attempting to collect an illegal/unenforceable debt False statements about prior communications Deceptive or threatening credit-related language Harassing frequency of contact I have attached screenshots documenting all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries that I believe are inaccurately reported on my credit report. Below, I have listed the details of the accounts, inquiries, and late payments for your review. Please find them separated by each bureau : Experian ( XXXX ), Equifax ( XXXX ), and TransUnion ( XXXX ). 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXXF Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : 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 2025-12-04 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'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency ( XXXX ) XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX is reporting a debt on my credit profile. I sent a debt validation demand letter pursuant to 15 U.S.C. 1692c & 15 U.S.C. 1692g ( b ) on XXXX XX/XX/2025. XXXX has failed to provide the proper validation documentation to date. 

Under 15 U.S.C. 1692g ( b ), collection activity must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as I work to improve my credit standing. Below, I have outlined the details of the disputed accounts for each bureau. I request that you investigate and correct these discrepancies as soon as possible. 

CHARGED OFF ACCOUNTS : No charged-off accounts listed for Experian. 

INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AUTO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Harassing phone calls and negative credit reporting I have no knowledge of this alleged acct Please provide a Bill Sale and a transfer of Assignment if applicable Remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am disputing the following charged-off account on my Experian credit report : XXXX XXXX XXXX XXXX XXXXXXXX - Account No. XXXX, Date Opened : XX/XX/2020, Balance : {$390.00}

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My fifth third bank and XXXX were hacked then I was rejected for both after filing dispute. XXXX $ from fifth third and XXXX $ from XXXX. Some how the hacker is either sending themselves the money and changing their names to someone I have already sent to so the dispute gets rejected or sending it to someone I know and now I can't get in contact and get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
To Whom It XXXX Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX - XXXX, XXXX  - XXXX, XXXX SER - XXXX, XXXX - XXXX, XXXX SER - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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