vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate credit card reporting. I have already paid my credit card balance, but the creditor is still reporting a current balance of {$990.00} even though the account shows the payment was made. My credit limit is {$1000.00}, yet the system shows only {$990.00} available, which is incorrect and misleading. 

This inaccurate reporting violates the FCRA requirement that furnished information be accurate and up to date. It has also negatively affected my credit score because it shows a high utilization even after payment. 

I request that this be reviewed and that the creditor correct the reported balance. 

I tried to solve it within the app of Bank of America but it didnt help and it didnt solve and the app was giving unrelated information instead solving it. 

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 2025-11-14 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 disputing the following charged-off account with Equifax. Please review and correct if necessary XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I tried to create a Wells Fargo account online clicking on the " XXXXXXXX XXXX XXXX '' button underneath the promotion " Get a {$320.00} new checking customer bonus * ''. I received an email stating " Unable to verify your identity, account not opened '' XX/XX/XXXX I went to local branch and opened the account in person. I showed them the email and talked about the promotion.The individual opening the account for me assured me that I would get the new customer bonus as long as I met the criteria. 

After meeting the criteria and calling Wells Fargo mutliple times, they led me along before telling me that I did not have a promotional code attached to my account and would not be recieving the money.

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 2025-11-14 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 XXXX, I am writing to formally dispute the following accounts listed on my credit report with the XXXX major credit bureaus : Equifax ( XXXX ), These accounts contain discrepancies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be reviewed and corrected accordingly. Please find the details of my disputes separated by each bureau below. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 submitting a dispute regarding the following accounts reported on my credit file, which I believe to be inaccurate or incomplete. I respectfully request that these entries be investigated and corrected as needed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: ID

Complaint narrative:
I was told I owed multiple amounts from XXXX XXXX which I do not owe. 
I am fully XXXX and am on both XXXX XXXX and XXXX. I am XXXX. 
I called the correct phone number after finally being provided the number by XXXX and XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX The phone number I was provided by XXXX XXXX is ( XXXX ) XXXX. It is a XXXX  phone number but I spoke with an XXXX XXXX in the XXXX. It took the rep XXXX minutes to confirm my identity and my insurance information and to verify. I was told my account was removed from collections. I was not provided a reference number. 
I called XXXX XXXX back to confirm XXXX XXXX had removed my account from collections and it has not been. 
I asked to speak with a supervisor and I spoke with a man named XXXX, no last name provided. I was told my account still reflects as in collections though I do not owe, and then he attempted to continue to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by the FCRA 605B USC 1681c2.

The following accounts are being disputed as inaccurate and/or unauthorized : XXXX XXXX  XXXX This account is fraudulent and unauthorized. My identifying information was used without consent. Remove immediately pursuant to 15 U.S.C. 1681a ( 3 ) and 605B. 
XXXX XXXX This account is fraudulent and unauthorized. My personal identifying information was used without my consent. Remove immediately under the same federal provisions cited above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by the FCRA 605B USC 1681c2.

The following accounts are being disputed as inaccurate and/or unauthorized : XXXX XXXX  XXXX This account is fraudulent and unauthorized. My identifying information was used without consent. Remove immediately pursuant to 15 U.S.C. 1681a ( 3 ) and 605B. 
XXXX XXXX This account is fraudulent and unauthorized. My personal identifying information was used without my consent. Remove immediately under the same federal provisions cited 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 2025-11-14 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:
: The following accounts are disputed with Equifax. These accounts have inaccuracies or issues regarding the reporting of balances, dates, and status that need to be corrected. 

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 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 2025-11-14 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: TX

Complaint narrative:
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer credit report disputesfailing to properly investigate or verify disputed information as required by law. This public action validates my ongoing concern that my prior disputes may not have been handled with the due diligence and accuracy mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( 15 U.S.C. 1681i ), which requires reasonable and thorough reinvestigation of disputed information.

While the lawsuit specifically names Experian, it underscores a systemic problem among all credit bureaus in handling consumer disputes without due care. For this reason, I am requesting that you conduct a thorough, lawful reinvestigation of the unverified and inaccurate items on my credit report across the XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer credit report disputesfailing to properly investigate or verify disputed information as required by law. This public action validates my ongoing concern that my prior disputes may not have been handled with the due diligence and accuracy mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( 15 U.S.C. 1681i ), which requires reasonable and thorough reinvestigation of disputed information.

While the lawsuit specifically names Experian, it underscores a systemic problem among all credit bureaus in handling consumer disputes without due care. For this reason, I am requesting that you conduct a thorough, lawful reinvestigation of the unverified and inaccurate items on my credit report across the XXXX bureaus.

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 2025-11-14 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: VA

Complaint narrative:
I DO NOT RECOGNIZE THIS FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I DO NOT RECOGNIZE THIS FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing the collection account with XXXX XXXX AFFIRM INC - XXXX XXXX XXXX XXXX XXXX -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am asking the CFPB to require Midland Credit Management/Midland Funding to recall my credit-card accounts from XXXX XXXX XXXX  and allow me to resolve them directly. XXXX is not following fair debt collection practices and has not provided the legally required written notice of my rights.

Midland transferred two charged-off credit card debts ( originally from XXXX XXXX  and XXXX ) XXXX XXXX XXXX XXXX on XX/XX/year>. After that date, I never received any written validation notice from XXXX. I did not receive any letter stating the amount of the debt, the name of the creditor, or my 30-day right to dispute the debt. 

When I finally spoke with XXXX by phone, they read back a phone number that belongs to someone else I know. That person told me they had been getting calls for months and assumed they were scams. When I pointed this out, XXXX immediately deleted the number and would not repeat it. This indicates that their prior contact attempts and any notices were going to a third party, not to me. 

During my calls with XXXX, two different representatives refused to discuss any settlement or payment options unless I completed their financial disclosure form and gave them my employer information, salary, and detailed monthly expenses. I explained that I am not comfortable sharing such sensitive information with a third-party law firm due to privacy and data-breach concerns. I told them I am willing to work out a reasonable payment or settlement, just not on the condition that I turn over my private financial details. Both representatives told me that if I would not provide a financial statement, then I would have to pay the full balance and they were done. 

I then contacted Midland directly and explained : that XXXX had the wrong phone number, that I had not received any written notice from XXXX, and that I am trying to resolve these debts but do not want to give unnecessary personal financial information to a law firm. 
Midland told me there was nothing they could do because the accounts were with XXXX and refused to escalate or recall the file. 

I want to be clear that I am not disputing that the debts exist. I have already settled or entered payment plans with other creditors and collection agencies and am actively working to clean up my credit. My complaint is about how XXXX is collecting these debts : failing to provide a written validation notice, using incorrect contact information so notices went to someone else, and conditioning any discussion of payment options on me disclosing my employer, salary, and a detailed financial statement. 

I am asking for CFPBs help to correct these issues so I can resolve the debts in a lawful, fair, and privacy-respecting way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank tried to steal money from me. 

I booked a hotel room in XXXX XXXX through Citi Travel .

In the booking confirmation, Citi fraudulently added an undisclosed cleaning charge, and an extra local tax.

1. Booking a hotel room, seeing a cleaning charge, I would certainly cancel. Citi decided to sneak in the charge, without disclosure. When I found out the addition of the numbers were wrong and confronted Citi, they could quickly explain it was a cleaning charge. Which means they knew about it all along, fraudulently sneaked in the charge in hope I missed it.

2. More egregiously, Citi decided to sneak in an extra local tax. Swiss regulations require hotel to collect the local tax directly from the guests. Which means I paid the local tax twice.

I believe I was not the only victim. Please help investigate Citibank for the truth and whole truth.

Citibank did apologize, without any signature, to me and offered to refund the cleaning charge in the form of ThankYou Points. Not a word about the extra local tax they sneaked in, despite I presented proof that I did pay which to the hotel directly. I thought the tax fraud from a bank would be more serious. 

Please give me justice. 

Best Regards, 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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries tht do not belong to me.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts

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