vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
A collection account with XXXX XXXX ( Account # XXXX ) is showing up on my Experian credit report with a balance of {$920.00} for XXXX XXXX. I did not authorize or create this account and I currently have active services with XXXX XXXX XXXX XXXX ), so there is no valid reason for a collection account to exist in my name. 

I believe this is an inaccurate and unauthorized entry on my credit report and have not received any documentation verifying this debt. This violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : Failure to provide verification upon dispute.

Section 607 ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum accuracy in reporting. 

Section 602A : Protection from inaccurate credit data.

I am requesting : 1. Immediate removal of this collection account from all credit bureaus ( Experian, TransUnion,
Equifax ).

2. Documentation showing this account is valid and belongs to meif it exists.

3. Confirmation of the deletion or resolution of this matter.

I have included a screenshot of the account as it appears on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have always paid my account on time to avoid interest. Been doing so for years. I recently took advantage on one of their XXXX  % interest promotion. I paid a fee and was expecting no interest. Come to find out, if you keep using the card, and pay off the amount you charge, they have a clause, If you revolve your balance to take advantage of a Promotional or introductory offer, all, transactions and balances will be charged interest. To avoid interest you must pay your statement balance if full so, even though I paid all the new charges, since I did not pay off the amount of the XXXX % balance which indicated I had XXXX mos no interest, I am being charged interest on that balance. This is very deceptive. I have called numerous times, filed a customer complaint with the, claim XXXX. I am not getting any resolution since they are claiming this term which was never properly disclosed or explained.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S.C. 1681 et seq., aims to promote fair and accurate credit reporting. this account was written off and I was not provided a 1099 I requested form from the company no response insurance paid off but still show balance on my 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 2025-05-02 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$3900.00}, opploans/feb Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$850.00}, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$460.00}, XXXX XXXX bank XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$210.00}, XXXX & XXXX XXXX Account # : XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$170.00} XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$83.00} XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I recently obtained my credit reports from XXXX XXXX XXXX XXXX however I noticed many inaccuracies and discrepancies on my credit report under this account " American Credit Acceptance '' this account is reporting to XXXX  as a closed account but to other credit agencies such a as XXXX XXXX XXXX as open accounts, different on XXXX the worst payment status as 60-89 days late, but to XXXX the status says XXXX, another difference times/ days late on XXXX it shows XXXX on XXXX it shows XXXX, XXXX another difference on XXXX the remarks doesn't show in dispute it shows profit/loss-write off, on XXXX XXXX XXXX it shows in dispute, another difference the payment status shows charge off on XXXX but on XXXX XXXX XXXX it shows in collection, on XXXX and XXXX it's reporting a high balance, on XXXX it shows XXXX these are all inaccuracies according to the FCRA, and FDCPA these are violations, and due to the company furnishing my reports with many inaccuracies I could be owed {$1000.00} for each violation. if this is the same account why is it being reported many different things across all three credit agencies. I also request the transfer of assignment bill of sale, original contract with signature, and the flow agreement. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am getting phone calls from AMEX and I don't have an AMEX card, I have spoken with them and told them to remove my number from their call list, was told they would yet I'm still getting the calls.

This is NOT MY CARD!!! DON '' T CALL ME LOOKING FOR THE OWNER, HE HAS A PHONE NUMBER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S.C. 1681 et seq., aims to promote fair and accurate credit reporting. this account was written off and I was not provided a 1099 I requested form from the company no response insurance paid off but still show balance on my 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S.C. 1681 et seq., aims to promote fair and accurate credit reporting. this account was written off and I was not provided a 1099 I requested form from the company no response insurance paid off but still show balance on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
They sent me court paper saying that they sent a letter first class mail which they never sent and saying that I owe {$1200.00} which I dont know where thats coming from Ive asked them to censor information and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account that had a promotional offer for 24 months no interest. I then made another purchase a few months later and the lady told me it was still part of the promotional offer. I contacted the company today because I noticed interest charges on my account. They said my second purchase was not part of the promotional offer. Not happy that I was told when I made the purchase that it was still part of the promotional offer but even if it wasnt I believe my payments were not allocated properly. My minimum payment was {$30.00} and I made payments of {$100.00}. I thought that according to the The Credit CARD Act of XXXX standardized the allocation of credit card payments among different balances. Card issuers must allocate credit card payments above the minimum payment according to the highest interest rate balance first, in descending order. 
This didnt happen with this company. The representative I spoke with today said I had to request this in order for it to be done. Why would I have to request it if its an act that was passed?? Now the credit card company wont refund the interest charges and thats not ok.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Attorneys USA LLC
State: TX

Complaint narrative:
XX/XX/year> {$2000.00} I wasn't even aware of this " pending case '' I was called from location services asking where I'd be today so I can receive some papers, I had no clue what was going on she gave me a number to contact with a case number, I called the number given to me, the person who answered was very aggressive while being a smart XXXX kept telling me to be a grown up and own up to my faults and that I don't know how to speak he told me I was trying to defraud the company and that my record would be ruined if I didn't comply. I tried telling the representative just to send me an email or figure out a way we can resolve this issue and he told me it doesn't work that way That I would have to get approved first to settle in payments or that I would have to pay in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
A collection account with XXXX XXXX ( Account # XXXX ) is showing up on my Experian credit report with a balance of {$920.00} for XXXX XXXX. I did not authorize or create this account and I currently have active services with XXXX XXXX XXXX XXXX ), so there is no valid reason for a collection account to exist in my name. 

I believe this is an inaccurate and unauthorized entry on my credit report and have not received any documentation verifying this debt. This violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : Failure to provide verification upon dispute.

Section 607 ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum accuracy in reporting. 

Section 602A : Protection from inaccurate credit data.

I am requesting : 1. Immediate removal of this collection account from all credit bureaus ( Experian, TransUnion,
Equifax ).

2. Documentation showing this account is valid and belongs to meif it exists.

3. Confirmation of the deletion or resolution of this matter.

I have included a screenshot of the account as it appears on my 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 2025-05-02 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: OH

Complaint narrative:
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2025-05-02 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: OH

Complaint narrative:
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX CREDIT ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently, on or about XX/XX/year>, a soft and hard inquiry was done on my credit record with the three leading Credit Reporting Agencies XXXX XXXX XXXX, and Experian ). The company responsible for conducting these inquiries is XXXX XXXX. Not even XXXX minutes after XXXX had gotten my permission to run the inquiries, I began receiving astronomical numbers of unsolicited telephone calls concerning matters that were privy to XXXX XXXX and their representatives. After a while of receiving those calls, I asked the caller how he/she obtained my contact information and information that only XXXX had knowledge of. On individual said that he had gotten it from the Credit Bureaus, and another caller went into a little more detail by making the statement, " When your credit was run by XXXX the credit reporting agencies forwarded that information to over XXXX ( one hundred ) lenders and when we powered up our computer, it popped up ''. At no time did i given any type of consent for my personal information to be disseminated by XXXX XXXX, XXXX or Experian, concerning any financial matter that I'm a party to.

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